Team Leader, Collateral Maintenance Standard Bank

To implement adequate Credit Risk controls for complex business entities, across our main business streams inclusive of Business and Commercial Banking, Personal Private Banking & Corporate & Investment Banking specifically focusing on risks encountered in the post-credit granting stage of the lending process by ensuring the appropriateness, applicability, consistency, validity, and enforceability of all collateral and confirming that collateral are in legal order and properly housed, to secure assets in order to mitigate risks.

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

Other Qualifications
• Type of Qualification: Advanced Diploma
• Field of Study: Legal

Experience Required
Credit Risk – BCB
Risk & Corporate Affairs
• 1-2 years
• Experience with home loans and lending will be beneficial in this role. Preferable to have banking experience, particularly pertaining to banking processes with regard to collateral documentation and the operation thereof.

• 1-2 years
• Personal and Business banking will provide holistic exposure regarding credit risks, lending and associated collateral. Preferable to have banking experience, particularly pertaining to banking processes with regard to collateral documentation and the operation thereof.

• 3-4 years
• Understand the bank’s products & facilities, terms, & the associated terms & conditions in the facility life cycle to ensure that legal risk is effectively restricted. Knowledge of legislative requirements, such as credit agreements, loan documentation, & the variety of lending mechanisms & types of collateral that may be used. Exposure to registration processes & internal controls & processes, specifically relating to the drafting, execution, management & custody of c

Additional Information
Behavioral Competencies:
• Checking Details
• Directing People
• Empowering Individuals
• Following Procedures
• Interpreting Data
• Making Decisions
• Meeting Timescales
• Producing Output
• Pursuing Goals
• Resolving Conflict
• Understanding People
• Upholding Standards

Technical Competencies:
• Asset Based Lending
• Contract Management
• Loan Assessment & Approval
• Loan Processing
• Mortgage Lending
• Risk Acceptance
• Risk Identification
• Risk Measurement