Business Segment: Business & Commercial Banking
Location: ZA, GP, Johannesburg, Baker Street 30
Credit Risk Assurance is part of the second line of defense and supports both the Africa Regions Business and Commercial Banking (BCB) CRO and any Credit Risk Executives responsible directly to that role, in providing independent oversight, qualitative assessment and reporting of Credit Risk Management practices throughout BCB. The role also encompasses Credit Risk Governance and Policy that entails being the custodian of all BCB Group-level credit risk policies and standards. The job ensures that such policies support and entrench the principles articulated in The Group Credit Risk Governance Standard (“The Standard”), and oversight of credit risk delegated authority policy frameworks. This function extends to providing counsel to Regional, Country, or Sub-segment Credit Risk Heads and their Governance Officers in respect of the formulation and review of embedded credit risk policies and delegated authority frameworks, to ensure consistency with BCB Groupwide policies, and in turn The Standard.
Qualifications
Minimum Qualifications
B.Com; B.Econ.; Accounting or related degrees (Masters in Business/ Economics/ Finance/ Banking will be an advantage).
Experience
At least 5-7 years Credit Evaluation and/or Business Credit Recovery experience in Business and Commercial Banking, Personal and Private Banking or CIB environment.
A thorough understanding of Credit Risk analysis, including product knowledge, cash flow analysis and how micro and macro-economic factors can potentially adversely affect the credit risk of a counterparty or portfolio on a forward-looking basis.
International and Africa Regions experience would be an advantage.
Additional Information
Excellent report writing and verbal communication skills in English.
Ability to engage comfortably at various levels within the organisation and engage Senior Credit Management, whilst living and maintaining our Values.
Self-starter; pro-active; ability to act independently; project management and co-ordination of teams.
A thorough understanding of the Group Credit Governance Standard and related Business Unit Policies and Procedures.
Willingness to travel on average 5 to 6 days per month.
Please note: All our recruitment processes comply with the applicable local laws and regulations. We will never ask for money or any form of payment as part of our recruitment process. If you experience this, please contact our Fraud line on +27 800222050 or
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