Senior Manager, Credit Evaluation – Africa Region, Business and Commercial Banking (BCB)

The role is accountable for credit evaluation, portfolio concentration risk, risk appetite and credit policy reviews, and portfolio performance, in alignment with the broader BCB Group Risk strategy. Active contributions towards the establishment of and review of lending products parameters is an additional key function of the role.

Type of Qualification: First Degree
Field of Study: Business, Commerce, Accounting, or a related discipline

Experience Required
Credit Risk – BCB
Risk & Corporate Affairs

8–10 years
Proven experience drafting and reviewing credit applications for SME and commercial clients, presenting and motivating large transactions at credit committees, developing credit risk management frameworks, and managing a diversified, multi-sector credit portfolio within a large financial institution. The role requires deep expertise in assessing financial, management, industry, legal, and regulatory risks at both transaction and portfolio level. Candidates must also have experience working with large, geographically dispersed teams and overseeing a regional portfolio. Exposure to credit strategy development and model risk management would be advantageous.

Behavioural Competencies:

• Challenging Ideas
• Developing Strategies
• Directing People
• Generating Ideas
• Collaboration with key stakeholders
• Making Decisions

Technical Competencies:

• Evaluating credit applications
• Setting fit-for-purpose covenants and other conditions of grants
• Financial Statement and Cash flow projections analysis
• Credit enhancement and applying applicable haircuts to collateral offered
• Deal structuring/ solutioning, supported by client visits
• Determining the ideal risk grades, and LGDs
• Market intelligence gathering
• Credit scoring

Please note that all recruitment processes comply with applicable local laws and regulations.

We will never request money or any other form of payment during the recruitment process. If you receive such a request, please contact our fraud line on +27 800 222 050 or email TransactionFraudOpsSA@standardbank.co.za.