Analyst, Credit Support, Premium

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.

To support the Relationship manager to grow and retain a portfolio of high value Premium Business Segment relationships by performing a proactive, mobile, value adding financial partnership role. 

Ensures deep understanding of Customer’s business through regular interaction with clients, including their place of business.

Employs the use of client value chain analysis to understand customer needs and deploy banking and financial solutions to meet those needs.

To do complex financial analysis on annual financial statements, management accounts and cash flow projections.

To write and motivate agricultural and business finance applications and to successfully present the case to a business and credit lending committee.

Managing the credit process from start to end including the collateral and the monitoring as well as annual review of all clients with credit facilities.

Qualification

• B.Comm (Management Accounting), B.Comm (Accounting), B.Comm (Agricultural Economics), B.Sc. (Agricultural Economics) or similar
• Honours Degree, SAICA Articles/CA(SA) or CIMA Qualified will be an advantage
• FAIS Representative

Experience 

• 4 Years experience in a Financial Management, Financial Accounting, Management Accounting role or similar
• 4 Years experience in a Credit/Financial Analyst role in Business Banking
• Agricultural Knowledge / Experience will be an advantage
  
   

Behavioural Competencies

• Adopting Practical Approaches
• Challenging Ideas
• Convincing People
• Developing Expertise
• Developing Strategies

Technical Competencies

• Banking Process and Procedures
• Business Acumen (Audit)
• Customer Acceptance & Review (Business Banking)
• Customer Understanding (Business Banking)
• Financial Acumen
• Risk Identification