Head, Regional Credit

Standard Bank of South Africa Limited • Other • Durban, KwaZulu-Natal, South Africa • $200 - $300 / year • 2d ago

Business Segment: Business & Commercial Banking

To lead, develop and manage credit evaluation and credit risk management teams in support of Premium, Growth & Enterprise Portfolio (“the Segments”) asset growth targets for a Local Market of Region within KZN. To comprehensively manage the credit risk of the lending portfolio of “the Segments” for the Local Market, specifically in respect of originations, assessment of credit risk, sanctions, credit risk management, account maintenance and distressed and high-risk accounts in keeping with the BCB credit policies, guidelines and risk appetite. Supports and proactively leads the team to support business partners and ecosystem methodology in understanding and meeting client lending needs, ultimately supporting the Universal Financial Services Organisation aspiration. To have overall responsibility for a designated Segment and to champion/sponsor all strategies and processes related thereto.

Qualifications

Minimum Qualifications
Type of Qualification: First Degree
Field of Study: Business Commerce

Experience Required
Credit Risk – BCB
Risk & Corporate Affairs
More than 10 years

Credit evaluations experience, preferably across Business, Entrepreneur, Lifestyle and Personal segments. Deep understanding of credit principles and financial statements, particularly as relates to Business Lending. Understands collateral, credit risk and collections processes. Previous experience in managing a team responsible for the account management of a lending portfolio from a risk/credit perspective. Previous people management experience. Previous Agri credit experience and/or Structured and Specialised Lending credit experience is an advantage.

Additional Information

Developing Relationships
Leading People
Empowering Individuals
Making Decisions
Resolving Conflict
Interpretation and Execution
Legal Principles – Collateral and recovery processes
Credit Granting
Credit Process

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