Credit Analyst at Standard Bank Group

Job Description

To assist the Workplace Banking and Personal Banking team with the origination of credit proposals within acceptable turnaround times. Overriding objective is to grow the Bank’s lending book and maintain a high quality of lending assets through timely preparation of good quality credit applications.

Qualifications

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

Experience Required

• 5-7 years
• Risk appropriate determination of risk grades incorporating structures, cash flows, covenants etc
• Determination of credit appetite including (i) appropriateness of proposed structure considering tenor, profile, commodity price volatilities and ranking, (ii) concentration risk exposure 
• Identification and assessment of all pertinent risk areas together with mitigating factors
• Understanding of underlying price sensitivities and applicable work-out-scenarios in the event of default
• Being solutions orientated, providing innovative solutions to lending