Standard Bank Offshore is the offshore arm of the Standard Bank Group, a leading Africa focused financial services group, and an innovative player on the global stage. Our international Banking, Lending, Investment, Fiduciary and Wealth Management services 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 and SBO is perfectly positioned to support the growth of our organisation from our office in the Isle of Man, Jersey, London, MAUs and South Africa. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you.
Job DescriptionWe are seeking an experienced Credit Analyst to join our Risk team who will be responsible for managing a portfolio of counterparty credit risks associated with lending, trading and investment activities. The successful candidate will play a key role in assessing, monitoring and managing credit risk within approved risk appetite.
QualificationsKey outputs
- Critically assess valuation assumptions, sustainable cash flows, loan-to-value, debt-service and interest-cover metrics, lease profile, tenant quality, vacancy, break options and marketability.
- Design or challenge fit-for-purpose security packages, guarantees, cessions, mortgage or other collateral arrangements, intercreditor terms and enforcement priorities.
- Make credit decisions and recommendations in line with applicable lending policies, regulatory requirements and sound credit risk principles.
- Identify and mitigate credit risks through appropriate security structures, facility conditions and ongoing portfolio monitoring.
- Build strong relationships with business stakeholders and act as a trusted advisor on credit matters.
Qualifications
Essential
- Degree in Finance, Accounting, Business Commerce or a related discipline.
- 5-7 years' experience in credit assessment, credit risk decisioning and lending within banking or financial services.
- Strong understanding of financial statements, repayment structures, collateral management and credit processes.
Advantageous
- Real estate (ideally UK), property finance or structured lending education.
Behavioural Competencies:
- Examining Information
- Making Decisions
- Checking Things
- Convincing People
- Articulating Information
Technical Competencies:
- Credit Delivery
- Legal Knowledge
- Loan Assessment & Approval
- Risk Reporting
Closing date
30 November 2026
Salary from £50,000
Stay safe online: all Standard Bank Offshore career opportunities are advertised through our official channels. We will never ask candidates for payment or banking details.
Skills Required
- Degree in Finance, Accounting, Business Commerce, or a related discipline
- 5-7 years of experience in credit assessment, credit risk decisioning, and lending within banking or financial services
- Strong understanding of financial statements, repayment structures, collateral management, and credit processes
- Education in real estate, preferably UK property finance or structured lending
Standard Bank Group Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Standard Bank Group and has not been reviewed or approved by Standard Bank Group.
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Leave & Time Off Breadth — Leave options span vacation, study, parental, compassionate/family responsibility, sick/short‑term incapacity, sabbatical, recognition and optional unpaid leave, subject to country practices. This breadth provides flexibility to manage family, study, health, and rest needs.
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Healthcare Strength — Core protection includes medical cover and death/incapacity insurance, with many markets offering permanent health insurance and optional life/funeral or gap‑cover add‑ons. Wellness and counselling programs further strengthen day‑to‑day health support.
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Fair & Transparent Compensation — Formal remuneration materials emphasize equal pay for work of equal value, structured market alignment, and pay‑equity analyses alongside clawback/forfeiture provisions. This governance signals predictable, fairness‑oriented pay practices.
Standard Bank Group Insights
What We Do
As a brand with a legacy of 161 years in Africa, we have a deep understanding and belief in the boundless opportunities that this continent presents. Our vision extends beyond mere geography; it encompasses a profound recognition of the potential for growth that resonates within our people, customers, entrepreneurs, and all who share our unwavering commitment and passion for investing in Africa. With a presence in 20 countries across sub-Saharan Africa, we have cultivated a diverse community of the most skilled, innovative, and creative minds in the industry. Our purpose is to drive Africa's growth, acting as a catalyst for inclusive and sustainable economic development in the regions we serve. We strive to improve the lives of our fellow Africans by conducting business in an ethical and responsible manner. As a trusted partner, we consistently set higher standards and aspire to become better with each endeavour. We are more than just a banking institution; we are a driving force behind Africa's growth. Join us on this transformative journey. Together, we have the collective power to propel Africa into the future, making tangible progress for all who proudly call Africa home.
