To ensure the effective value adding risk management of To ensure the effective and optimal risk management of the Credit Evaluation function, managing and enhancing the approval of credit applications for Personal banking customers within acceptable parameters, in order for Personal Banking and Standard Bank Namibia, to achieve asset growth targets, whilst maintaining a quality-lending book, through judicious, product and system development and effective management of people. Innovative implementation of lending practices that allow for customer excellence whilst optimal risk management is at the core of business operations.