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 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.

Qualifications

Bachelor of Commerce in Accounting, Economics, Finance, Mathematics or related.

Additional Information

Experience:

3-4 years: Detailed knowledge and experience regarding the risk, compliance and regulatory requirements, guidelines and requirements pertaining to the Bank and Credit and Lending Risk requirements.5-7 years: Extensive banking and bank product knowledge, with management experience in the Banking Client and product solution environments.

Key Responsibilities:

Collaborate and contribute to new product development and enhancements, including maturing on a digital journey, with product heads and business development managers, to highlight and ensure relevant credit methodologies, guidelines and regulatory requirements are included across the Bank.Drive innovation and growth opportunities by understanding market developments and best practices, to ensure lending practices, channels and turnaround times are in line with changing customer expectations.Ensure engaged teams, that understand the changing landscape and the optimal implementation of risk appetite to a large customer base.Develop and implement Credit Evaluation Strategy, targets and action plans, in line with the Credit and Personal Banking Strategies of the Bank, to enable sustainable growth and a healthy financial lending business.Drive Customer relationship management by advising and guiding on credit challenges, rehabilitation recommendations and possible solutions with customers of all portfolios, and visit customers where required, to establish credit needs, assist with structuring of facilities and evaluation of viability of business concerns.

Behavioural Competencies:

Developing StrategiesEmbracing ChangeExploring PossibilitiesProviding InsightsUnderstanding People

Technical Competencies:

Product and Services KnowledgeProduct DevelopmentRisk ManagementStakeholder ManagementStrategic Alignment & Execution