Credit Evaluation Officer

Company Description

Standard Bank Group is a leading Africa-focused financial services group, and an innovative player on the global stage, that offers a variety of career-enhancing opportunities – plus the chance to work alongside some of the sector’s most talented, motivated professionals. Our clients range from individuals, to businesses of all sizes, high net worth families and large multinational corporates and institutions. We’re passionate about creating growth in Africa. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you.

Job Description

To assist Personal Private Banking (PPB), Digital Lending and SME Business in achieving their asset growth targets by providing effective value adding risk management, whilst maintaining a quality-lending book, through judicious and effective management thereof. he delivery of a professional service to the business units, by assessing and evaluating credit facilities (new and/or existing) based on sound credit & financial principles which supports the minimizing of risk to the bank.

Qualifications

Type of Qualification: First Degree
Field of Study: Business Commerce, Finance, Accounting or any related field

Experience Required

• Banking experience, particularly pertaining to credit risk management, banking processes with regard to banking products and the operation thereof.
• Broad knowledge of applicable Acts and Bank Manuals.
• Experience in intuitive credit assessment and decisioning in relevant segment and products.
• Energetic and with sound decision skills.
• Knowledge and understanding of repayment structures and collateral.
• Must be able to work under pressure and remain focussed.
• Analytical with a tolerance for high volumes and problem absorption whilst detailed oriented.
• Understanding of collection processes within the banking environment is beneficial

Additional Information

Behavioural Competencies:

• Adopting Practical Approaches
• Articulating Information
• Developing Expertise
• Examining Information
• Following Procedures
• Interacting with People
• Interpreting Data
• Making Decisions
• Managing Tasks
• Providing Insights
• Taking Action
• Team Working

Technical Competencies:

• Asset Based Lending
• Loan Assessment & Approval