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 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 will support asset book growth while ensuring lending decisions remain within the Bank's risk appetite and regulatory framework.
Working closely with business stakeholders and relationship teams, you will provide expert credit guidance, make prudent lending decisions, identify growth opportunities and contribute to maintaining a high-quality credit portfolio.
QualificationsKey Outputs
- Articulate credit appetite based on risk appetite for sector and give guidance structure of deals and documents (legal and collateral) required. Undertake quantitative and qualitative financial analysis to develop a comprehensive understanding of counter party risks for new or increased facilities. Conduct annual risk reviews on the existing portfolio base. Make timeous, sound and pragmatic recommendations and decisions in managing accounts within portfolio
- 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.
- Development experience advantageous in the event the mandate is extended to SBO. Skill-set to include assessment of cost-to-complete, equity contribution, contingency, presales or pre-lets, contractor and developer capability, drawdown controls and quantity surveyor reporting.
- Design or challenge fit-for-purpose security packages, guarantees, cessions, mortgage or other collateral arrangements, intercreditor terms and enforcement priorities.
- Ensure covenants, information undertakings, cure rights, conditions precedent and drawdown controls are measurable and effectively monitored.
Essential
- Degree in Business, Commerce, Finance or a related discipline.
- Approximately 10 years' experience in credit risk management within banking or financial services.
- Strong understanding of corporate credit risk, lending products, derivative products and associated credit documentation.
- Comprehensive knowledge of credit policies, risk frameworks, Basel requirements and applicable regulatory standards.
- Experience engaging with senior client stakeholders, including Managing Directors, Finance Directors and Financial Managers.
- Proven people leadership experience with the ability to develop high-performing teams.
- Strong analytical, decision-making and stakeholder management skills.
Advantageous
- Postgraduate qualification would be advantageous.
- Real estate (ideally UK), property finance or structured lending education.
Behavioural Competencies:
- Examining Information
- Making Decisions
- Upholding Standards
- Directing People
- Establishing Rapport
Technical Competencies:
- Risk Identification
- Risk Management
- Risk Measurement
- Risk/ Reward Thinking
Closing date
30 November 2026
Salary from £60,000
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Skills Required
- Degree in Business, Commerce, Finance, or a related discipline
- Approximately 10 years of experience in credit risk management within banking or financial services
- Strong understanding of corporate credit risk, lending products, derivative products, and associated credit documentation
- Comprehensive knowledge of credit policies, risk frameworks, Basel requirements, and applicable regulatory standards
- Experience engaging with senior client stakeholders, including Managing Directors, Finance Directors, and Financial Managers
- Proven people leadership experience and ability to develop high-performing teams
- Strong analytical, decision-making, and stakeholder management skills
- Postgraduate qualification
- Education in real estate, ideally 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.
