Leads credit origination for Business and Commercial Banking clients, including identifying opportunities, analyzing financial and credit risks, structuring lending and debt solutions, negotiating transactions, and supporting execution. Partners with Relationship Managers, Risk, Legal, Compliance, Product, and Operations teams to grow revenue while maintaining portfolio quality. Develops market opportunities, monitors emerging risks, coaches Relationship Managers, and ensures effective governance, compliance, and client outcomes.
Company Description
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.
Job DescriptionResponsible for leading the Credit origination team in proactively originating, assessing, structuring, and supporting the execution of structured debt and lending solutions for Business and Commercial Banking clients. The roleholder partners closely with Relationship Managers and product teams to deliver tailored financing solutions, drive revenue growth, enhance portfolio quality, and ensure a seamless client credit experience.
Credit Origination and Deal Structuring
- Identify, originate, and structure tailored credit and financing solutions for clients across Business and Commercial Banking.
- Lead the assessment and structuring of lending transactions to ensure commercially viable and risk-aligned solutions.
- Participate in deal negotiations, structuring discussions, and business assessment forums to support effective decision-making.
Credit Analysis and Risk Management
- Conduct comprehensive financial, credit, industry, and market analysis to assess transaction viability.
- Identify emerging risks, portfolio vulnerabilities, and early warning indicators to support proactive risk management.
- Conduct due diligence and integrity assessments to mitigate credit, operational, and reputational risks.
Stakeholder and Client Management
- Work closely with Relationship Managers to understand client needs and develop optimal financing solutions.
- Build strong partnerships with Legal, Risk, Compliance, Product, and Operations teams to facilitate seamless deal execution. Engage external stakeholders including valuers, legal advisors, and other professional service providers where required.
Business Growth and Market Development
- Contribute to structured debt product growth through proactive pipeline development and market penetration.
- Provide insights on target sectors, client opportunities, and growth strategies.
- Keep abreast of market trends, industry developments, and economic changes that may impact clients and portfolios. Support revenue growth through effective origination and conversion of quality transactions.
- Build front-line credit capability through coaching Relationship Managers on credit analysis, financial assessment, and deal structuring.
- Bachelor's Degree in Business, Commerce, Finance, Economics, Accounting, Banking, or a related field. Postgraduate qualification in a business or finance-related discipline will be an added advantage.
- Professional Banking Qualification, Credit/Risk Management Qualification, or a recognized professional certification such as ACCA, CPA, CIMA, ACIB, AKIB, CA, or equivalent.
- Minimum of 8 years' relevant banking experience. At least 5-7 years of experience in credit origination, corporate banking, business banking, or structured finance.
- Proven track record in credit analysis, financial assessment, lending transactions, and deal structuring.
- Experience partnering with Relationship Managers and influencing client outcomes through innovative financing solutions.
- Exposure to credit evaluation within Commercial Banking or Corporate Banking environments is highly desirable.
Behavioural Competencies:
- Strategic thinker with strong commercial judgement.
- Results-oriented with a proactive and solution-driven mindset.
- Demonstrates integrity, accountability, and sound professional judgement.
- Strong leadership and coaching capabilities.
Technical Competencies:
- Strong credit analysis and financial modelling capabilities.
- Deep understanding of corporate lending, structured finance, and risk management principles.
- Advanced commercial and business acumen.
- Strong negotiation, influencing, and stakeholder management skills.
- Knowledge of banking regulations, compliance frameworks, and governance standards.
- Excellent analytical, problem-solving, and decision-making capabilities.
Similar Jobs
Artificial Intelligence • Consumer Web • Edtech • Enterprise Web • HR Tech • Social Impact • Generative AI
Chief of Staff to the Enterprise GM, responsible for developing multi-year strategies, aligning executives and functions, improving operating models and governance, and leading complex organizational transformation. The role provides executive counsel, synthesizes cross-functional insights, guides resource allocation, strengthens collaboration, and addresses systemic organizational challenges. Success requires strategic thinking, operational excellence, organizational design expertise, executive presence, and experience driving results in B2B, preferably SaaS, revenue organizations.
Artificial Intelligence • Cloud • Information Technology • Energy • Infrastructure as a Service (IaaS)
Build and own Riot’s governance program, including the ISO 27001:2022 documentation framework, enterprise policy library, regulatory horizon scanning, contracts management, third-party risk management, and framework mappings across SOC 2, SOX, NIST CSF, and applicable regulations. The role drives policy adoption, attestation, vendor due diligence, contract risk workflows, and alignment of site-level operational, physical security, and environmental policies.
Top Skills:
DoraIso 27001:2022Nis2Nist CsfSoc 2Sox
Artificial Intelligence • Cloud • Information Technology • Energy • Infrastructure as a Service (IaaS)
Owns Riot’s risk management and GRC execution, including SOC 1 and SOC 2 audits, ISO 27001 certification readiness, SOX ITGC coordination, enterprise risk registers, KRI/KPI reporting, POA&M remediation, auditor relationships, and continuous audit readiness. The role partners with executives, Internal Audit, external auditors, mining sites, and data center leadership to identify, quantify, report, and remediate operational and technology risks.
Top Skills:
Iso 27001:2022Nist 800-53Nist CsfOt/IcsSoc 1Soc 2 Type IiSox Itgc
What you need to know about the Colorado Tech Scene
With a business-friendly climate and research universities like CU Boulder and Colorado State, Colorado has made a name for itself as a startup ecosystem. The state boasts a skilled workforce and high quality of life thanks to its affordable housing, vibrant cultural scene and unparalleled opportunities for outdoor recreation. Colorado is also home to the National Renewable Energy Laboratory, helping cement its status as a hub for renewable energy innovation.
Key Facts About Colorado Tech
- Number of Tech Workers: 260,000; 8.5% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: Lockheed Martin, Century Link, Comcast, BAE Systems, Level 3
- Key Industries: Software, artificial intelligence, aerospace, e-commerce, fintech, healthtech
- Funding Landscape: $4.9 billion in VC funding in 2024 (Pitchbook)
- Notable Investors: Access Venture Partners, Ridgeline Ventures, Techstars, Blackhorn Ventures
- Research Centers and Universities: Colorado School of Mines, University of Colorado Boulder, University of Denver, Colorado State University, Mesa Laboratory, Space Science Institute, National Center for Atmospheric Research, National Renewable Energy Laboratory, Gottlieb Institute
