Credit Manager

About the role

Standard Bank Offshore, the offshore arm of the Standard Bank Group, is looking for an experienced Credit Manager to assess and evaluate lending applications through robust credit risk assessment, affordability analysis and sound financial principles. The successful candidate supports asset book growth while keeping lending decisions within the Bank's risk appetite and regulatory framework, working closely with business stakeholders and relationship teams.

Key responsibilities

• Articulate credit appetite based on risk appetite for the sector and define the deal and document structure (legal and collateral) required.
• Undertake quantitative and qualitative financial analysis to understand counterparty risks for new or increased facilities.
• Conduct annual risk reviews of the existing portfolio and make timely, sound recommendations on account management.
• Critically assess valuation assumptions, cash flows, loan-to-value, debt service and interest cover, lease profiles, tenant quality, vacancy, break options and marketability.
• Assess cost-to-complete, equity contribution, contingency, presales or pre-lets, contractor and developer capability, drawdown controls and quantity surveyor reporting.
• Design or challenge security packages, guarantees, cessions, mortgages and other collateral, intercreditor terms and enforcement priorities.
• Ensure covenants, information undertakings, cure rights, conditions precedent and drawdown controls are measurable and monitored.

Required profile

• Degree in Business, Commerce, Finance or a related discipline.
• Approximately 10 years' experience in credit risk management within banking or financial services.
• Experience engaging with senior client stakeholders such as Managing Directors, Finance Directors and Financial Managers.
• Proven people leadership experience developing high-performing teams.
• Strong analytical, decision-making and stakeholder management skills.
• Advantageous: postgraduate qualification, real estate (ideally UK), property finance or structured lending education.

Required skills

• Corporate credit risk, lending products, derivatives and associated credit documentation.
• Credit policies, risk frameworks, Basel requirements and regulatory standards.
• Risk identification, risk management and risk measurement.

The closing date is 30 November 2026; salary is from GBP 60,000.