Credit Risk Manager

7 days ago


Johannesburg, Gauteng, South Africa Standard Bank Group Full time
Job Description

As a Credit Risk Manager, you will play a key role in ensuring the effective and efficient value-adding approach to Credit Evaluation and enhancing the decisioning of credit applications for Business and Commercial Banking customers within acceptable parameters. Your ultimate focus will be on enriching customer experience in driving sustainable asset growth and maintaining a quality lending book.

The role covers all sectors of the economies across Africa Regions, requiring a detailed knowledge and experience regarding credit risk, compliance, and regulatory requirements. You must have held a credit mandate or delegated authority for Business and Commercial clients.

You will be responsible for articulating and examining information, making decisions, taking initiative, managing stakeholders, providing insights, showing composure, and developing solutions that meet customer needs.

  • Key Responsibilities:
  • Financial statements analysis
  • Structuring lending proposition in line with customer requirements
  • Identification of funding gaps
  • Lending Products and Services Knowledge
  • Risk Assessment and Risk Grading
  • Balance sheet and cash flow-based lending analysis
  • Deducing ideal collateral for a given funding structure
  • Balancing growth and risk management requirements
  • Setting appropriate covenants and conditions of grant
  • Motivating and presenting credit applications to higher authority

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