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 provide credit risk structuring, portfolio management and reviewing credit risk matters for Real Estate Finance Credit which includes comprehensive credit risk structuring and origination, as part of the CIB Client Service Teams (“CSTs”) and deal teams. To ensure the origination of new deals is completed within risk appetite and agreed turnaround times.

Qualifications

Minimum Qualifications
Type of Qualification: Degree
Field of Study: BCom Business Commerce, BCom Finance, BSc Real Estate Finance

Experience Required
At least 5 years experience and thorough conceptual and practical knowledge of credit procedures, policies and standards, as well as a thorough understanding of products and facilities that give rise to counterparty credit risk. Understanding of Basel and broader regulatory and compliance requirements.

At least 3 years experience in Real Estate Finance and good understanding of lending and derivative products and facilities that give rise to counterparty credit risks, including the documentation required/presented to manage that risk. 

At least 3 years experience and well developed knowledge of financial markets, global economy and appropriate regional geographies in which portfolio operates.

At least 3 years experience and good understanding of accounting (both management and financial accounting) to analyse financial strengths and weaknesses of clients and identify potential risks to credit proposals.

At least 3 years experience and understanding and working knowledge of risk systems monitoring and its related procedures for analysing the account behaviour of clients and identifying trends and shifts in credit risk profiles. Thorough understanding of bank’s products and facilities that give rise to counter party credit risk. Strong technical understanding of non-credit risks encountered within transactions. Knowledge of financial markets (Global and especially African economies). Thorough conceptual and practical knowledge of credit procedures, policies, standards. Knowledge of risk systems and derivative instruments.

Additional Information

Behavioural Competencies:

Checking DetailsExamining InformationInterpreting DataProviding InsightsTaking Action

Technical Competencies:

Evaluating Risk Management EffectivenessRisk Identification and MeasurementRisk Portfolio ManagementRisk ReportingFinancial Analysis