At a Glance
- Tasks: Lead credit services for Wealth International, driving strategic plans and managing complex portfolios.
- Company: Join Standard Bank Jersey, a leader in personal and private banking.
- Benefits: Competitive salary, professional development, and a dynamic work environment.
- Other info: Opportunity to shape strategies and work with a diverse team across jurisdictions.
- Why this job: Make a real impact in the lending sector while growing your career in finance.
- Qualifications: Degree in Business Commerce; experience in banking, lending, and risk management required.
The predicted salary is between 80000 - 100000 £ per year.
Business Segment: Personal & Private Banking
Company: Standard Bank Jersey
To lead the credit services delivery for Wealth International (WIN) retail segments across jurisdictions, develop and implement strategic plans and set targets for the team to achieve business objectives, meet customer expectations and grow market share. To manage a complex portfolio of assets across multiple jurisdictions and currencies to commerciality and mitigate associated risks for WIN lending. To be a voting member of the Offshore Credit Committee and opine on new and existing facilities.
Qualifications
- First Degree in Business Commerce (Required)
- Post Graduate Degree in Banking (Preferred)
- Post Graduate Degree in Finance and Accounting (Preferred)
Experience Required:
- Detailed understanding and knowledge of the KYC/AML framework across the markets we operate in.
- Sound understanding of the cross border legal framework across our strategic target markets.
- Have a good understanding of systems and utilise them to deliver superior service to clients.
- Be able to embrace change and open to using new systems to improve client experience.
- 5 - 7 years experience.
- The role requires holistic banking and lending management experience including multi-currency knowledge, strong credit, risk and analytical skills, working knowledge of land and securities law and offshore fiduciary markets in the applicable jurisdictions.
- Sound understanding of the compliance and governance framework of international markets.
Key Outputs:
- Annual reviews take place on every facility in line with the appropriate Regulatory requirements.
- Contribute to the development of the Wealth International strategy for and develop linked objectives for the function, in order to ensure alignment with the overall Wealth strategy.
- Develop and implement the annual lending strategy, cascading it into execution plans and communicating the targets and KPI's for all the products to ensure commercial optimisation of lending business across applicable jurisdictions.
- Ensure effective monitoring and control of commercial risk exposures and adherence to credit policies as a member of the WIN Business Acceptance Forum, in conjunction with the credit risk function, to identify and manage potential and/or existing high-risk situations and act accordingly to protect the bank’s position.
- Ensure that annual reviews are undertaken on every facility in line with the Banks requirements.
- Identify and resolve non-routine / complex and escalated problems including resolving conflicting policy / procedural issues in line with the defined delegation of authority to provide timely solutions to wealth managers, relationship managers and clients.
Head, Lending employer: Standard Bank of South Africa Limited
Standard Bank Jersey is an exceptional employer that prioritises employee growth and development within a dynamic work culture. With a focus on innovation and collaboration, employees are empowered to lead strategic initiatives in the personal and private banking sector while enjoying competitive benefits and a supportive environment that fosters professional advancement across diverse jurisdictions.
Contact Details:
Standard Bank of South Africa Limited Recruitment Team
StudySmarter Expert Advice🤫
We think this is how you could land Head, Lending
✨Tip Number 1
Network like a pro! Reach out to your connections in the banking and finance sectors. Attend industry events or webinars, and don’t be shy about introducing yourself. You never know who might have the inside scoop on job openings!
✨Tip Number 2
Prepare for interviews by researching the company and its culture. Understand their lending strategies and recent developments in the market. This will help you tailor your responses and show that you're genuinely interested in the role.
✨Tip Number 3
Practice makes perfect! Conduct mock interviews with friends or mentors. Focus on articulating your experience in credit services and risk management clearly. The more comfortable you are, the better you'll perform when it counts.
✨Tip Number 4
Don’t forget to apply through our website! We’ve got some fantastic opportunities waiting for you. Plus, it’s a great way to ensure your application gets noticed by the right people. Let’s get you that dream job!
We think you need these skills to ace Head, Lending
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Head, Lending role. Highlight your experience in credit services and any relevant qualifications. We want to see how your background aligns with our needs!
Craft a Compelling Cover Letter:Your cover letter should tell us why you're the perfect fit for this position. Share specific examples of your achievements in lending management and how you’ve tackled complex challenges in the past.
Showcase Your Knowledge:Demonstrate your understanding of KYC/AML frameworks and cross-border legalities in your application. We’re looking for someone who can navigate these complexities with ease, so don’t hold back!
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands and shows us you’re serious about joining our team!
How to prepare for a job interview at Standard Bank of South Africa Limited
✨Know Your Stuff
Make sure you have a solid understanding of the KYC/AML framework and cross-border legal frameworks. Brush up on your knowledge of multi-currency lending and the compliance requirements in the jurisdictions relevant to the role. This will show that you're not just familiar with the basics, but that you can navigate the complexities of the industry.
✨Showcase Your Strategic Thinking
Be prepared to discuss how you would develop and implement strategic plans for the lending team. Think about specific examples from your past experience where you've set targets and achieved business objectives. This will demonstrate your ability to lead and align with the overall Wealth strategy.
✨Demonstrate Problem-Solving Skills
Expect questions about how you handle complex problems or conflicts in policy. Prepare examples of situations where you've successfully resolved issues, especially those involving high-risk scenarios. This will highlight your analytical skills and your ability to protect the bank's interests.
✨Embrace Change and Innovation
Talk about your willingness to adapt to new systems and processes. Share experiences where you've embraced change to improve client experiences or operational efficiency. This will show that you're forward-thinking and ready to contribute to the bank's growth in a dynamic environment.
