Senior Credit Manager, Natural Resources Origination (CIB)

About the role

Standard Bank is looking for a Senior Credit Manager for its Natural Resources Origination team in Johannesburg. The role provides independent credit risk leadership and transaction support for Natural Resources financing across South Africa and the wider African continent, working closely with Coverage, Product and Transaction teams to identify, assess and mitigate risks early.

Key responsibilities

• Shape transactions before formal credit submission by giving clear risk insight, challenging proposed structures and assumptions and influencing outcomes aligned with the Bank's risk appetite.
• Review term sheets, legal agreements, security and transaction documents so risks are identified, mitigated and documented.
• Work with Environmental, Governance and Social Risk advisory to identify and assess ESG risks and align them with Bank policy and sector appetite.
• Lead presentations and discussions of transactions at Credit Committees and other senior approval forums.
• Originate credit applications for new transactions and, when needed, prepare or evaluate annual review credit applications.
• Coach and guide less experienced credit professionals and contribute to the development of the Natural Resources credit team.

Required profile

• Postgraduate degree in Business, Commerce, Finance, Accounting, Economics, Engineering, Mathematics or a related discipline.
• 8 to 10 years' experience in credit risk, preferably with exposure to the Natural Resources sector (mining and metals, oil and gas).
• Track record on new, complex and structured transactions across South Africa and Africa; project finance, corporate lending, leveraged finance, trade finance or diversified industrials experience is advantageous.
• Knowledge of financial markets, commodity markets and macroeconomic trends, and of sector and country-specific risks.
• Understanding of credit procedures, credit policies, delegated authority, credit rating methodologies, Basel requirements and compliance standards.
• CA(SA), CFA, FRM or other relevant professional qualification preferred.