10 Banking jobs

Job Details This team focuses on the Real Estate equities portfolio in South Africa and the rest of our African operations, spanning Joint Ventures and Affordable Housing Development, which supports our commitment to meaningful transformation by providing high-quality homes for low-income households. Job Purpose To provide deal execution management, guidance and support to junior colleagues (both associates and analysts) for all transactional and administrative aspects involved throughout the entire Real Estate finance value chain process (i.e. advisory, origination, debt structuring, execution, financial close and ongoing transaction monitoring for all projects). Key Responsibilities/Accountabilities Identifying and developing opportunities Assist in developing debt structuring/arranging and / or advisory mandates for identified opportunities Developing comprehensive financial models Developing and manipulation of excel spreadsheets and other comprehensive financial models for Real Estate finance transactions Data gathering and base case development Assist in undertaking data gathering for model / spreadsheet inputs and working alongside relevant consultants in finalizing Base Case models for debt funding transactions Financial Analysis Assist in undertaking financial analysis of company / projects and project financial statements and preparing brief internal reports based on findings Developing and managing deal execution and project deliverables Assist in developing and managing execution of deal and project deliverables during the entire transaction value chain (this will include but not limited to the following;- preparation and review of Information Memorandum, , Transaction Timetables, Financial Models, Internal Transaction Documents (i.e. Pre Credit papers and Credit Papers, Investment Teasers, Term Sheets, Loan Documentation etc) Developing innovative financial solutions Working in conjunction with other team members in putting forward innovative financing solutions to clients, the bank's senior management and colleagues Preparing presentation materials Assist in preparing presentation materials and presenting deal structures to other units within the bank, at client marketing pitches and to co-financiers and investors Submitting work In Progress Reports Assist in submitting Work In Progress Reports to senior management located in Nigeria and South Africa Transaction monitoring Preparing transaction summaries identifying key follow-up and monitoring steps after transaction closing for the benefit of other business groups Establishing and maintaining relationships with clients Establishing, developing and maintaining relationships with existing and potential clients and accompanying other senior members of the bank at client meetings Preparing client calling reports Preparing and distributing client Calling Reports in a timely manner Transaction consultant monitoring Monitoring and following up on deliverables being prepared by consultants assigned to transactions Assisting senior colleagues Assist senior members of the department in day-to-day work as delegated and carrying out other duties as required by the job Provide guidance and allocate tasks to junior members of staff Provide guidance to junior members of staff in undertaking their duties Provide support in allocation tasks to junior members of staff Preparing files for audit Preparing files as to be ready for the annual audit process and assist in discussing, responding and reacting to comments raised by the Audit division Staying up-to-date on relevant market information Keeping abreast of developments in the local, regional and international Real Estate finance market Ensure adherence to policies Ensure that the policies and procedures of the bank are being followed. Preferred Qualification and Experience Qualifications Bachelors' Honours Degree in Built Environment, Economics, Accounting, Banking & Finance, Engineering or other related subjects Bachelor or Master's Degree with minimum of Second Class Upper division (2:1) In addition, CFA accreditation would be useful. CFA accreditation, Professional membership of real estate bodies such as RICS, ULI etc., would be useful Experience The job applicant should have between 8 - 10 years related work experience, preferably from a real estate finance/ project finance/ advisory background. Knowledge/Technical Skills/Expertise Key Performance Measures Customer Perform calls to existing and potential customers to follow up on opportunities and support in the presenting of the bank's credentials. With guidance from the respective unit head and senior colleagues, interact on a select basis with clients on mandated transactions until project achieves financial closing. Financial Assists in providing support for the preparation of business plans and budgets on a unit and department basis Internal Process Assist in preparing and reviewing memos and proposals; Working with the Unit Head to ensure that all compliance issues (i.e. KYC etc) are suitably addressed; Ensure that the policies and procedures of the bank are being followed; Assist in identifying, pursuing and executing agreed business in a professional manner and within the framework as set out by the bank Assist in preparing transaction summaries, assist in identifying key follow-up and monitoring steps in co-ordination with the Transaction Management Unit after transaction closing; Keeping the Transaction Management Unit fully up to date on transactions prior to hand-over at financial close; Working alongside the Transaction Management Unit in attending general asset monitoring requests; Taking guidance and liaising with Legal and Risk Officers to ensure all necessary documentation on transactions are suitably addressed; Assist in providing clarifications and responding / reacting to comments received from the Audit Division; Assist unit head and colleagues in the day-to-day work as delegated. People Working in co-ordination with individuals from other divisions, and in particular members of the investment banking team to enhance teamwork efforts within the division; Take a proactive approach towards the own personal learning and development; Escalate feedback on junior staff performance to Senior colleagues and Unit Heads; Adhere to the core values of Stanbic IBTC and apply professional codes of conduct at all times

Detalhes emprego Customer Channels Descrição do trabalho Garantir a prestação de um serviço de qualidade consistente com os volumes transacionais nos caixas, sejam operações com numerário, cheques. Entender os riscos associados à manipulação de dinheiro e manter controlos efectivos para gerir esses riscos. Responsabilidades EFICIÊNCIA NA GESTÃO DE CAIXAS: Garantir que todos os tipos de depósitos (numerário e cheques) e levantamentos de clientes sejam processadas de forma rápida e precisa Garantir que todos os itens estejam dentro dos limites estabelecidos e todas as transações que excedam os limites sejam encaminhados para a área apropriada para autorização Assegurar que as transacções sejam devidamente documentadas e assinadas conforme procedimento interno. GESTÃO DE VALORES: Garantir que todas as politicas internas relativas ao manuseio de dinheiro sejam cumpridos Assegurar que os valores sejam mantidos dentro dos limites prescritos Reportar diferenças de caixa e assegurar o saldo de caixa diário Garantir que não exista nenhum item por autorizar GESTÃO ATM: Auxiliar o Tesoureiro no carregamento do ATM sempre que necessário VENDAS: Identificar oportunidades de cross selling e migração, vender reactivamente produtos e serviços Completar diariamente o formulário de monitoramento de leads Garantir que as vendas/objectivos de gerar leads sejam atendidas Participar em campanhas de vendas quando necessário ROTINAS: Colocar o lixo em recipientes após conclusão de cada transacção Garantir o dever no cumprimento de cuidados de segurança Qualificações e experiência relevantes Licenciatura ou 12o ano concluído Formação superior, preferencialmente, Gestão, Economia ou equivalente. Mínimo, 1 ano de experiência profissional em funções similares. Conhecimentos/Capacidades técnicas/Especialidade Gestão de Risco: Demonstra conhecimento e compreensão das metodologias de gestão de riscos, ferramentas, estruturas de governança e exigências regulatórias para uma boa gestão do risco. Detecção de Fraudes: Capacidade de identificar e reportar fraudes no acto de levantamento e/ou depósito de moedas e notas efectuadas pelos clientes. Gestão de ATM: Conhecimentos e habilidades em gerir o ATM através de aprovisionamento regular dos ATMs e monitoramento de actividades mínimas de manutenção. Identificação de Oportunidades: Capacidade de antecipar e identificar oportunidades de negócio e partilhar leads com os respectivos Gestores.

Job Details Executive & Support,PBB Job Purpose To drive the delivery of the PBB Africa Regions (AR) strategy across an allocated region and its countries. To ensure alignment between the PBB AR strategy and country PBB strategy across the allocated region. To be accountable for the overall performance (i.e. financial, risk and people) of PBB across the allocated region. To identify new market opportunities within current and outside of existing footprint. Key Responsibilities/Accountabilities Grow Customer Base: Provides input into the development of the PBB AR strategy based on regional and country knowledge. Drives implementation of the PBB AR strategy within allocated region and coordinates across the value chain for PBB in consideration of the market opportunities within the specific countries. This includes the alignment to the customer acquisition strategy and monitors adoption in countries, and coordinates interplay across all business lines (i.e. CIB, Wealth) for PBB clients in order to achieve the following outcomes: Customer growth Return on Equity Favourable JAWS ratio Improvement in Cost to Income ratio Headline Earnings Reviews and agrees to PBB AR strategy customisation requests, based on specific country requirements. Responsible for providing guidance on country specific business plans, objectives, policies and implementation of tactical solutions. Provides input into the development of the PBB AR toolbox - for example, guidelines on client centric solutions and segmentation, operating models for all countries, learning framework, minimum standards to adhere to regulatory landscape, minimum standards, risk appetite, credit disciplines, best practice, mandates, delegation of authority, guidelines for pricing trade-off decisions, etc. Monitors adherence to the toolbox within countries for allocated region. Together with country and PBB AR Risk develops the client risk appetite framework aligned to PBB AR minimum standards and ensures there's alignment between Risk and business for countries. Keeps abreast of industry trends and macro challenges and guides countries accordingly. Accountable for PBB franchise portfolio oversight across allocated region. Enables implementation of the strategy through skills transfer, coaching and where necessary provides subject matter expertise for deal complexity. Ensures the implementation and adoption of all client journey work as it relates to countries in the allocated region. Drives excellent consistent customer experience as gauged through the Net Promoter Score. People Practices: Provides input into the Human Capital People Plan for PBB AR in alignment with PBB AR Human Capital. Identifies current and potential employee skill requirements in consultation with the PBB AR Human Capital function. In consultation with CE: PBB AR, defines and approves the recruitment, reward and termination of Country Head, PBB and critical roles in consultation with the PBB AR Human Capital function; Country CE and Country Head, PBB (where relevant). In conjunction with PBB AR Human Capital, ensures the development and implementation of the HC Toolbox (e.g. succession planning, talent development, performance management). Determines and guides performance and associated award in consultation with PBB AR Human Capital, and in alignment with SBG guidelines. Ensures alignment to the PBB AR Human Capital standards with regards to all employee-related matters. Provides input to talent strategy developed by PBB AR Human Capital. Mobilises employees in allocated region and AR head office environment in order to fulfil the bank's objectives regarding customer service; sales; people management and engagement; transformation; risk and compliance. Risk Management: Provides input into the PBB AR risk framework and governance based on regional and country knowledge. Drives implementation of the approved PBB AR Risk framework and governance together with the Country Head, PBB. Responsible for risk management across the value chain for countries within allocated region (e.g. operational and credit risk, cybersecurity risk) in alignment with PBB AR Risk. Monitors and ensures adherence to risk framework, appetite, risk control procedures, governance and risk and conduct toolbox. Oversees the development and monitoring of risk forecast models across countries in allocated region in conjunction with PBB AR Risk. Monitors adherence to the PBB operational risk assessment standards and drives closure of all remediation actions. Drives satisfactory audits through Country Heads of PBB and ensures that there are no repeat unsatisfactory audits as gauged by operational losses - retains oversight of all risk and remediation matters relating to allocated region. Financial Performance Management: Defines the financial outcomes required in conjunction with countries i.e. Country CE and Country Head, PBB, and approves financial budgets in line with PBB AR requirements. Accountable for and owns the income statement and financial outcomes for allocated region and countries. Monitors implementation of agreed financial outcomes across allocated region and countries and ensures that countries define and implement remedial actions. Retains oversight of financial and non-financial metrics (e.g. number of customer defaults, net promoter score, branch network footprint, etc.) across allocated region. Social Responsibility: Provides input into social, economic and environmental initiatives for the PBB AR strategy, culture and ways of working (e.g. financial inclusion, job creation and enterprise development, infrastructure, Africa trade and investment, education skills and development, and employee development training). Preferred Qualification and Experience Minimum Qualification: Masters Degree -Field of study: Business Commerce A post graduate qualification e.g. Chartered Accountant or MBA. More than 10 years Experience in managing large business units with income statement and balance sheet accountability. Experience with banking / financial industry products and services. Experience with managing diverse geographically dispersed teams in AR will be an advantage. Experience in functioning at corporate executive level. Direct Reports: 4-10 Indirect Reports: +51 Knowledge/Technical Skills/Expertise Effective business communication Filtering Core Issues and Patterns Risk Response Strategy Risk/ Reward Thinking Risk Reporting Economic Capital Management

Job Details Operations: a range of essential and complex services to ensure processes across the bank work as effectively and efficiently as possible Job Purpose The role of the Transaction Manager is to co-ordinate the end to end transaction process supporting CFS Investment Banking Products in conjunction with various stakeholders (both internal and external to the bank) with a specific focus on deal closing, facility origination, ongoing facility administration, collateral and document management. Key Responsibilities/Accountabilities The CFS TM role includes the following key responsibilities:Once draft legal agreements or Term Sheet become available, ensure that the transaction being negotiated can be facilitated on the bank's systems with minimal manual intervention and can be administered within the bank's existing operational capabilities.For deals yet to reach financial close, or, after a deal handover, thoroughly read through the latest available credit paper related to that transaction to gain an understanding of the deal.Coordinate the Financial Close process for new deals and for refinancings/restructures of existing deals:Create and update the Conditions Precedent (CP) Checklist (where applicable); Actively monitor the progress of the fulfilment of the CP's; Regularly provide updated CP checklists to Credit; Prepare and obtain sign off of the Deal Closing Memo Obtain internal sign off of financial close from Business, Credit and Legal; Coordinate the sign off of the CP Satisfaction Letter; where applicable Load the CP Checklist; CP Satisfaction letter; Internal sign offs of financial close from Credit, Business and Legal onto DMS; Finalise funding for the overall transaction with Money Markets for all match funded deals; Ensure that the client is loaded on ACBS. If not, once KYC has been obtained, send instruction to the Ops Ref Data team to upload client on to ACBS. Ensure required exchange control approvals are in place for all new deals, refinancings, amendments or extensions to existing deals.After thorough perusal of the transaction finance documents, originate all facilities on ACBS at Financial Close or at document signature date and ensure that the transaction on ACBS reflects the transaction structure as per the legal agreements including the following (where applicable):Fee Accrual schedules; ACBS Covenant reminders, as applicable.Coordinate the Conditions Subsequent (CS's) collection process:Prepare a CS checklist (where applicable); Ensure that all CS's are fulfilled by their agreed upon dates; and Ensure that any further waivers of CS's are approved by Credit and Business.For all new deals, refinancings of existing deals and any secondary distributions, ensure receipt of copies of all Legal Agreements, CP documents (including CS's where applicable) credit papers and authority soughts and upload these onto DMS.Collateral Management:Ensure that electronic copies of all Finance and Security Agreements as well as originals of all underlying Security Instruments (unless these are to be held by a Security or Facility Agent), leagal opinions, resolutions and the internal legal sign off of Financial Close are lodged with the Collateral Management team; Obtain confirmation of receipt by the Collateral Management team of all documentation sent to them; Proactively follow up on all outstanding items as per the monthly outstanding items spreadsheet relating to Collateral and Legal distributed by the Collateral Management team; Update the share cover monitoring spreadsheet on a daily basis and highlight any breaches to Business and Credit.Provide a comprehensive handover of all new deals as well as amendments/refinancings of existing deals to the Loans Admin and Product Control teams:Provide a copy of the Deal Closing Memo to Loans Admin and Product Control ; Set up a meeting with Loans Admin to discuss the Deal Closing Memo; Send copies of the executed Facility Agreement and final Credit Paper to the assigned Loans Administrator; Ensure that Product Control are aware of all foreign currency and ZAR upfront fees being invoiced prior to Financial Close including any ZAR commitment fees that they may need to manually invoiced post Financial Close.Instruct Initial and Subsequent Facility Utilisations:Ensure that all CP's to utilisation have been met or waived by Credit (if applicable); Ensure KYC compliance prior to instructing payaway; Advise Credit and Business of all subsequent utilisations; Ensure all utilisations are within agreed Facility Limits; Book funding for all utilisations of any match funded deals with Money Markets; Ensure SSI's are loaded and linked for ZAR deals; Complete a Banking Authority Template for all utilisations; Forward the Banking Authority Template to Loans Admin prior to agreed processing cut off times; For syndicated deals, ensure that the rates quoted by money Markets agree to the rates quoted by the Facility Agent.Monitor monthly LGD's and PD's from those agreed at Financial Close against those as depicted in the monthly RCC data. Highlight any variations to Business and Credit as well as TMU's Collateral Steerco representatives.Co-ordinate the submission of league tables (if applicable).Ongoing deal management on ACBS:Ensure facility limits are maintained in line with the agreements; Final Maturity Dates are correct; Availability Period end dates are correct; Unutilised facility balances are cancelled at Availability Period end dates.Manage all expiring facilities on ACBS:Identify all expiring facilities per the daily Facility Master Repor; Where facilities are to be extended, extend the final maturity date on ACBS as per the executed amended legal agreements; Should executed amended legal agreements not be available prior to the initial expiration date on ACBS, obtain Credit Approval to extend the final maturity date on ACBS to an interim date until such time as amended executed legal agreements are available and book funding accordingly.Actively manage deal covenants via ACBS generated Covenant Master Tracking report and update all covenants on ACBS as applicable.Follow up and manage outstanding fees and the recovery thereof in conjunction with Product Control and Loans Admin:Review and follow up on all outstandings as per the monthly debtors age analysis as distributed by Product Control; Follow up and resolve all overdue items reflecting on the Past Due Report as distributed by Loans Admin.Raise any known risks and concerns on deals being managed to Credit and Front Office.Submit revised capital repayment profiles to Loans Admin for loans that are to be consolidated at rate reset dates and for loans that have been refinanced.Obtain annual Credit Review Papers from Credit and perform a thorough read through before loading onto DMS.Coordinate and conclude the Secondary Sales Process for the Distribution Team for any assets that are sub participated or sold down to another Buyer.Coordinate the early prepayment of any facilities with Loans Admin, Business, Money Markets and Credit including finalising Breakage Costs (if any).Advise Product Control to recognise any fees that are still being amortised for any deals prepaid before their final maturity date.For bi-lateral deals, coordinate the return of security to the Borrower upon final repayment of the facility and advise the Collateral Management team to mark the deal as obsolete on STOC.Cancel all facilities that are fully repaid on ACBS and DMS and inform Credit to do the same on Adaptive.Ensure Client Coverage is made aware of all impending and existing clients whose KYC status is non-compliant by perusing all KYC lists which are electronically circulated. This would especially apply to deals which are not yet fully drawn.Resolve deal specific queries, including queries from internal and external auditors.Assist with any specific BU projects that may require the assistance of TMU e.g. providing MI, performing a business analysis or testing of any existing or new systems.Attend TMU meetings, Business WIP meetings, IBO Townhall sessions, Business off-sites and client meetings (if possible).Complete Personal Development Plans on an annual basis and update these regularly as and when applicable. Set up regular meetings with line manager to discuss progress.Adhere to all regulatory and compliance requirements.Adopt the SBG PACT values at all times:Purposeful Collaboration:Attend and participate in team, IBO and BU meetings. Actively engage with all internal stakeholders such as Business, Loans Admin, Product Control, Credit, Collateral, etc. Ask questions and challenge the status quo. Willingly share knowledge with fellow TM's.Active Recognition:Utilise the Beyond Excellence program to nominate colleagues who have performed well.Candid Engagement:Actively engage with Line Managers in performance feedback sessions. Raise issues and concerns with Management and/or Human Capital.Total Accountability:Take full ownership and responsibility for your deals throughout the deal life cycle. Preferred Qualification and Experience Qualifications Minimum qualifications Undergraduate degree in Commerce, Business Science or equivalent tertiary education.FAIS compliant Yes / No Preferred Experience Experience within a Transaction Management or equivalent Middle Office environment; orExperience within a Finance Team; orExperience within an Internal Audit team; orExperience as a Credit Manager; orCompletion of Articles with a bank or auditing firm. Knowledge/Technical Skills/Expertise Financial and numerical skillsRisk ManagementProject ManagementComputer LiteracyAbility to understand and interpret legal documents

Job Details Risk Management: understanding all risks - from the economic to the political - that could affect our global business, and offering guidance to all parts of the bank Job Purpose To identify, manage and provide advice in connection with CIB and Business Banking distressed and defaulted exposures in terms of the BS&R Mandate Key Responsibilities/Accountabilities Responsible for management of NPL names (primary responsibility) with decisions approved through Ad-hoc and monthly NPL committees. Act as key account liaison to deal with queries and issues from Relationship Managers, Risk, Operations and Collateral Teams as well as with external professionals such as valuers, auctioneer's, lawyers, receivers etc. on matters relating to Non-Performing Loans Along with the relevant Relationship and Credit Managers, assess clients/accounts in order to manage risk and limit exposure over the short, medium and long-term. Assess counterparties, the current security position and where appropriate take additional security. Participate and sometimes lead Rapid Risk Reviews in order to identify potential watch list and non-performing loans early. Oversee the drafting of sound legal documentations and scrutinise agreements including but not limited to facility agreements, consortium agreements, security sharing agreements and mortgage charges, in accordance with set risk parameters. Responsible for advising CIB and Business Banking on performing loans showing signs of distress (Watchlist names). Executed through Portfolio Rapid Risk Reviews and Watchlist Committees. Provide recommendations to improve business and banking risk and enhance customer relationships to Business and Credit Teams. Brief Heads of Business to enable them to lead negotiations with watch listed names. Responsible for recommending impairment requirement (provisions) to CRMC and CIB Specific Debt Provisioning Forum. Ensuring internal, IFRS, and regulatory provisioning requirements are met. Responsible for collecting and maintaining loan loss data. Database updated as and when exposures change, or material recovery event occurs. Develop and implement solutions for credit recovery on accounts in order to secure debt, stabilise accounts or turnaround where possible. Be involved and influence client visits and negotiations to manage credit recovery processes including restructure and or renegotiation of facilities. Provide advice to various stakeholders on credit recovery and liquidation / receivership processes. Document and communicate relevant decisions to all relevant stakeholders. Assist with relevant reporting returns and provide advice on these where required. Conduct in-depth research on relevant accounts, applying banking, legal and credit knowledge where applicable. Participate in industry initiatives from time to time Provide advice to various stakeholders on credit recovery and liquidation / receivership processes. Prepare and submit liquidation claims / appoint Receivers. Attend and prepare for meetings with creditors. Brief attorneys and counsel and oversee conduct of litigation on behalf of the Bank. Report to the Watch list and NPL Committee and implement decisions there from, as well as update the relevant schedule/s on a monthly basis. Maintain the default data base in terms of the Service Level Agreement with Credit Analytics for Non-Performing Loanson individual portfolio Document and communicate relevant decisions to all relevant stakeholders. Assist with relevant reporting returns and provide advice on these where required. Participate in industry initiatives from time to time Awareness of the Group Reference Guide (GRG); CIB & PBB Credit Policy and BS&R Mandate Preferred Qualification and Experience Qualification:Relevant Business Degree. 10+ years banking experience. Credit experience preferable. Keen interest in building a career in BS&R Knowledge/Technical Skills/Expertise Specialist knowledge - Demonstrates a clear understanding of the role BS&R should perform within CIB & BB and must be able to provide direction and strategic thinking where appropriate in relation to distressed and defaulted exposures. Sound business savvy and banking knowledge around: accounting and financial principles generally banking corporate banking Legal principles related to lending and collateral rights And ability to translate and apply this knowledge to optimise positive outcomes. Risk Management - Understands and manages strategic and operational risk including understanding and conforming to the relevant processes and procedures within BS&R, CIB & BB. Competencies required in delivering accurate and relevant results and assessing risk including attention to detail, delivery of accurate and relevant research, proactive and timely delivery of requirements, ownership of problems, understanding of impact of non-delivery and sub-standard performance.

Job Details Standard Bank is a firm believer in technical innovation, to help us guarantee exceptional client service and leading edge financial solutions. Our growing global success reflects our commitment to the latest solutions, the best people, and a uniquely flexible and vibrant working culture. To help us drive our success into the future, we are looking for an experienced Software Engineer to join our Risk IT team at our Johannesburg offices. Standard Bank is a leading African banking group focused on emerging markets globally. It has been a mainstay of South Africa's financial system for 150 years, and now spans 16 countries across the African continent. Job Purpose To manage and oversee the Bank's operational and tactical development initiatives which include the execution and, implementation of application delivery programmes and projects against the Bank's standards, policies and procedures and governance guidelines and Service Level Agreements. To provide technical solutions to the needs of stakeholders by interpreting business requirements, defining technical tasks, engineers' quality software, performing end to end testing, as well as supporting and troubleshooting technical questions, software and database issues. Key Responsibilities/Accountabilities Adhere to Agile methodologies and follows Agile principles through work outputs and behaviours - Scope, Plan, Design and Review end to end solutions - Define and Develop application complex code - Conduct Testing across various IT platforms - Drive Continuous improvement Preferred Qualification and Experience Qualification : - BSc Comp Science, B.Com Informatics degree or advanced degree Experience : - 5-7 Years broad experience in translating business and functional requirements into technical specifications and developing the programming code to create the solutions. - Strong MS SQL, SSIS & .Net experience essential Knowledge/Technical Skills/Expertise IT Knowledge - IT Development - IT Applications - Automated Unit Testing - Data Integrity

Job Details Internal Audit: Provide an independent, objective assurance designed to add value and improve to the Bank's operations. Job Purpose The role provides support in ensuring the achievement of the Internal Audit function objectives which is to provide independent, objective assurance and consulting services that are designed to add value and improve the Bank's operations. Assist the Bank and the Group in accomplishing its objectives by bringing a systematic, disciplined approach to the evaluation and improvement of the effectiveness of risk management, control and governance processes. Key Responsibilities/Accountabilities • The Audit Manager will be charged with the responsibility of providing assurance to various stakeholders, that risks are effectively managed to an acceptable degree and the responsibility of providing professional input and support to audit teams and respective auditee's on audit issues. Complete risk assessments and contribute to the audit planning process. Carry out audits, ensuring effective planning, execution, and reporting. Track audit issues with a view to assist management in ensuring that the agreed resolution action plans are implemented timeously to mitigate risks. Responsible for the implementation and adoption (within the Department or Section) of all Compliance, Anti-Money Laundering and Sanctions related requirements contained in policies, procedures and processes to the extent they relate to / are applicable to the department. Key performance measures Leading and building a team of competent and engaged individuals with sufficient knowledge, skills, experience and professional certifications to meet the requirements of the function. Contribution to the successful achievement of Group Internal Audit strategic objectives. Design and implementation of a comprehensive, robust and fit for purpose audit approach and capability for the assignments on the plan. Efficiency and effectiveness - including leveraging other assurance providers to manage end-to-end assurance chain (embed combined assurance), and deployment of appropriate techniques, methods and approaches (such as data analytics) to enhance efficiency and effectiveness, etc. Reporting significant issues related to the risk management, control and governance processes of entities within the Group. This includes the reporting of emerging trends and the provision of potential improvements to those processes and information concerning the resolution of such issues. Preferred Qualification and Experience Professional Qualifications and experience Holders of a university degree preferably in Accounting, Economics or Finance and/or full professional Accounting qualification with a reputable body such as CIIA, CIMA, ACCA, CPA or CA. Possess relevant technology skills including data analytics or information systems auditing skills. Proficiency in use of data analytics tools preferably with demonstrable scripting skills. Minimum of 9 years of diversified experience in auditing including experience in a supervisory position. Relevant experience in a banking environment is essential. Knowledge/Technical Skills/Expertise • Effective leadership skills and experience in providing strategic and tactical direction and focus to a team of audit professionals. Relationships management: Establish relationships that facilitate effective engagement with senior levels of management and executives without compromising independence, objectivity and ethics in any way.

Job Details Risk Management: understanding all risks - from the economic to the political - that could affect our global business, and offering guidance to all parts of the bank Job Purpose To lead the investigation of illegal and fraudulent cases by setting monitoring systems and managing security threats identified through trend analysis. To drive a culture of operational excellence through managing the Fraud and Disputes Analyst Team by guiding and coaching them on rigorous fraud investigations to protect clients and the bank from the risk of increased fraud losses and disputes and preserving the business' reputation. Key Responsibilities/Accountabilities Risk, Regulatory, Prudential & Compliance Ensure that all queries and issues are addressed and resolved in line with relevant processes, procedures and regulatory requirements, and at all time in compliance with the scope of the Service Legal Agreement (SLA). Report all identified matters to relevant internal and external bodies in line with regulatory and legislative requirements in order to mitigate any compliance breaches that may occur. Interrogate and report any deficiencies identified within analytical reports to ensure comprehensive adherence to operative legislation and regulations. Monitor and evaluate subordinates performance and compliance to bank specified policies and relevant regulatory requirements when handling any fraud and dispute matters. Conduct root cause analysis on escalated matters, by obtaining appropriate documented evidence, which is documented to determine potential risk and exposure for resolution, to prevent any occurrences from the client, bank and any other entity's perspective. Manage all fraud and dispute matters and disciplinary processes in accordance to laid down policies and procedures. Identify process gaps that are not correctly laid down or non-existent and report these to the relevant entity to ensure compliance adherence to all processes and procedures for all stakeholders. Technology & Architecture Identify areas of opportunity for automation and optimisation by interrogating areas in need and making recommendations to reduce hand-off's and decommission of non-value add activities, within the set Information Technology process and procedures for compliance. People Consolidate, trend and track staff performance on data entry, interpretation and analytics at pre-defined time periods to manage and coach staff on data management, in adherence to relevant data policies . Oversee staff outputs and management information system statistics to assess individual performance and provide guidance on improving performance and customer service quality. Drive a leadership culture with a customer-centric perspective through , managing and coaching staff in order to provide the highest levels of customer-service. Lead the Fraud and Disputes Analysts by creating a high-performance team through encouraging inclusivity and transparency through, inter alia, setting team goals, managing performance, and developing and motivating the team to enable a culture of accountability and excellence. Report fraudulent occurrences to the relevant persons, bodies or entities to ensure quality data is stored and partner with them to develop reliable mitigating solutions for such occurrences. Client Engage with customers, to understand their business requirements and needs and, in so doing, be able to develop solutions to meet those objectives. Oversee the process of information transfer to customers in accordance to the Code of Banking Practice by accurately capturing, updating and amending case information and history notes to ensure customers are fully informed on their rights and obligations through the appropriate processes. Manage customer interactions across multiple electronic channels (email, SMS) and devices to deliver a consistent service. Review staff interactions with customers to gauge customer services quality offerings and identify gaps within existing systems and develop the appropriate solutions to improve the quality on systems where gaps have been identified. Data Review prepared investigative reports for accuracy and provide feedback where necessary in order to ensure key stakeholders have the correct information to make critical decisions. Using Business Intelligence principles, interpret and review business relevant data in order to compile business reports. Preferred Qualification and Experience • Diploma /Degree Risk Management 1-2 years Ability to manage and lead people in order to deliver high levels of operational excellence and customer service. 5-7 years Extensive experience in a leadership role in fraud or similar environment. Comprehensive knowledge of transactional systems, processes and procedures in the industry. Ability to analyse situations and issues, identify options, draw logical conclusions and sound inferences, determine and recommend practical sources of action utilising good judgment and strategic thinking. Knowledge/Technical Skills/Expertise • Query Resolution Written Communication Fraud Investigation Risk Awareness General awareness of risk management practices in a financial services organisation. Fraud Detection & Management • Data Management

Job Details Risk Management: understanding all risks - from the economic to the political - that could affect our global business, and offering guidance to all parts of the bank Job Purpose To assume the oversight of all operational and compliance aspects of the Foreclosure area within the portfolio. To ensure that staff are competent and adequately trained and mentored and that the correct culture and leadership qualities are maintained. This includes the running of functional workshops internally. To optimally, effectively and efficiently manage the Foreclosure portfolio, applying the processes whilst at the same time maintaining the integrity and reputation of the Bank. To ensure that all risks in the process are properly considered and reported upon. To ensure adherence to all policies and procedures relating to compliance, regulatory, operational, procedural, reputational and legal risks. To review, investigate report and escalate high risk defences and allegations. To take timeous action (within mandate) to protect the interests of the bank. To contribute to and support the strategic goals and vision of Credit Rehabilitation and Recoveries. To settle or restructure facilities (wherever possible) in consultation with operations, the debtor and the attorneys. To consult with counsel/witnesses and attend court and to testify (where required) any other action in order to facilitate the proving of the banks case. To consider, evaluate and approve/reject all settlement proposals (within mandate) and to refer to higher authority (where appropriate) Key Responsibilities/Accountabilities • Working in teams, sharing of skills and multi-skilling. Control and maintain credit policies and procedures. Provide “legal” guidance and assistance within CRR (where requested) Implement “Lean” and other business process improvement initiatives. Drive a culture of flawless execution in the workplace. Oversee and review all legal action taken - ensuring there are no reasonable grounds for a future judgment to be rescinded. Ensure all external vendors adhere to instructions as well as all the terms of the service level agreements, controls and policies. Review and authorise payment of all billed professional fees. Ensure compliance to proper housekeeping processes. Contribute towards the effectiveness and cost efficiency of the department and ensure that strategic and departmental objectives are achieved. Facilitate, compile and assist in the compilation of daily, weekly and monthly matrix reports for the portfolio. Attend consultations, together with witnesses, attorneys and counsel in the preparation of matters for trial and other court applications. Provide instructions to attorneys (within mandate) directly or indirectly. Attend to a thorough risk analysis and review all documentation, pleadings and defences prior to trial and highlight any concerns with management. Consult with relevant internal and external stakeholders. Source outstanding source documentation relevant for the litigation process. Attend court and testify for the bank (where required) Signing and commissioning, of all affidavits (within mandate) required by external attorneys and council within defined timelines and court rules. Collate and refer to product/credit any deficiencies in processes, documentation and systems which have led to unsatisfactory legal outcomes. Compliance with statutory, regulatory and supervisory requirements and protect the reputation and integrity of the Bank and avoid legal action or sanction in respect to non-compliance to regulatory matters. Taking timeous and appropriate action and decisions to promote a successful outcome to the litigation process. • Negotiate, consider, evaluate and approve settlements within mandate and refer others outside of mandate to management with written recommendations. • Escalate any “apparent” risks in the recovery process that may impact on the integrity and reputation of the Bank to Group Legal and or compliance areas. • Provide basic legal guidance and subject matter expertise, to all stakeholders on request. • Maintaining high ethical standards to prevent market abuse. • Reporting any breaches and exposures to the area's Regulatory compliance officer. • Being aware of legislation, case law and policy changes applicable to the business and assuring awareness to all staff. • Ensure that staff, at all times, are skilled and that on the job legal training receives attention. • Maintain high levels of customer service. • Any delegated ad-hoc functions • Efficiency & Effectiveness • Optimise Economic Profit - management of all legal and other operational costs. • Excellent customer service - supporting of vendors and other internal and external customers. • Compliance and regulatory - management of risks. • Vendor management - Management of vendor performance and adherence. • Timeous and accurate reporting. Preferred Qualification and Experience • Legal degree i.e. BProc, LLB or equivalent • Admitted attorney with 5 years practise experience • 5 Years in a management role in a Foreclosure area Knowledge/Technical Skills/Expertise • Civil Litigation process including defended legal procedures. • Conveyancing • Consumer protection Act • National Credit Act and National Credit Amendment Act • POPI • Magistrates and High court rules • Prescription Act • CACS • MY ATTORNEY • CDDS • OS2 • Microsoft Office - Outlook, Word and Excel

Job Details Risk Management: understanding all risks - from the economic to the political - that could affect our global business, and offering guidance to all parts of the bank Job Purpose Assessment and evaluation of lending applications for clients (individuals and businesses) based on sound credit risk and affordability assessments, financial principles and credit policies which will support growth of the asset book of the bank and manage credit losses by ensuring sound lending credit principles are applied at all times and that lending is within the Bank's risk appetite parameters. This will include the spectrum of lending products available to all segments of clients including Personal, Lifestyle, Business, Agri and Entrepreneur, including specialised lending, trade finance, debtors finance, commercial property finance, agriculture and others. Support business partners in understanding and meeting client lending needs. The jobholder may operate in one or more of the segments as required by business needs Key Responsibilities/Accountabilities Credit evaluations: Obtains and assesses client and financial information, including cash flows and cash flow forecasts, with a view to understanding the current debt levels and repayment requirements as relates to different products, segments and banks. Makes prudent credit decisions on lending applications and authority sought requests within the parameters of the relevant individual product policies and/or multiple product policy, relevant regulatory requirements such as the National Credit Act and sound financial principles. Determines the best possible lending solution for the client and the Bank. Proactively highlights opportunities for asset growth in line with ecosystem philosophy & sound credit risk principles Adheres to Before sunset service” in order to deliver excellent client experience. Considers the requirement for collateral, guarantees, pre-conditions, post-conditions and covenants, dependant on the segment. Ensures correctness of information on which decision is being made. Obtains additional inputs from specialists where required. Performs annual reviews as required by policy timeously Performs and/or validates credit risk ratings on clients / businesses Engages Business to understand client requests, their business, financials and potential collateral available. Ensures that decisions are timeously made, minimising reworks as far as possible. Proactively follows up on matters which have been reworked or awaiting information from clients. Prepares motivations and recommendations for applications falling outside the delegated authority and presents this to appropriate authority levels. Adheres to business rules while still applying sustainable intuitive solutions. Within bounds of risk consciousness motivates for exceptions to business rules and policies where appropriate. Correctly applies legislative requirements such as the National Credit Act Displays a good understanding of legal principles in setting conditions and agreeing to amendments to agreements and conditions, ensuring the Bank is protected and risks are mitigated. Understands industry, regulatory and business risks (such as BEE, high risk industries etc) which will impact the financial health of a client and their ability to repay. Considers and provides input on appropriate risk / reward in respect of facilities and risk groups Issues 23236 forms/letters with conditions stated clearly and correctly Measures: Adherence to SLAs Decline triggers Rework targets Overdue Annual review triggers Adherence to business rules and risk appetite Adherence to Delegated Authority Maintain an acceptable hind-sighting error rate Stakeholder feedback iro Solution orientation Complaints received and appropriately resolved NPL and Early Arrears (Stage 2 & 3) Credit Loss ratios and Bad rates Client Engagement: Attends client visits to understand clients and their businesses. Client engagements may be in person or telephonic. Supports business to understand clients and whether lending opportunities fall within risk appetite Performs regular suite and/or CST visits Participates in round table discussions as required Visits watchlist clients as required in support of Business, Support and recoveries teams. Visits high value clients in area they support. Supports and participates in ecosystem meetings and discussions. Measures: Client visit targets Stakeholder feedback from Business Credit Risk and Account Management: Stipulates conditions for facilities bearing credit risk policies and processes in mind. Displays a good understanding the credit risk management environment. Supports the Credit Risk team as required to ensure performance of their responsibilities. Pro-actively identifies opportunities to improve processes and systems within the business unit to enhance risk management and efficiencies. Manages and resolves complaints within agreed time frames and provides feedback to all key stakeholders and customers on progress during the resolution process. Refers suspected fraudulent accounts to the Fraud Department for investigation. Action daily Referral reports before cut off (11am) Proactively manages Watchlist clients in collaboration with relationship manager and Credit Risk. Identifies clients where risk has changed and management is required on the Monitoring and/or watchlist. Adds all expired Temporary Excesses which have not been rectified timeously to the Monitoring List. Supports Credit Risk and/or Debt Care team as regards clients on the Watchlist /CRC schedules as per processes Measure: Team / stakeholder feedback Customer complaints resolved timeously Hindsighting of conditions set in approvals % of watchlist clients that return to Performing category (Stage1) Training and mentoring : Assists with training new staff as and when required and cross skilling of existing staff. Provides credit guidance and advice to business through the sharing of knowledge, coaching and assistance in improving the understanding and quality of credit risk Attends and learns from additional training to enhance credit skills and acquire skill across different segments and products, as required Measures: Feedback from stakeholders and team Achievement of new DAs or cross skilling goals as required by business needs Management information: Provides input as required for various reports and portfolio management Measure: Stakeholder feedback Stakeholder management: Builds and maintains relationships within the broader credit team and business stakeholders. Acts as a partner to business in unlocking ecosystem & other client opportunities to support the achievement of asset growth within the bounds of responsible credit risk management and set risk appetite. Ensures that service is provided to the satisfaction of all stakeholders in terms of service level agreement. Attends business and team connect sessions, ecosystem and squad meetings Visits and works from branches, suites and CST sites to ensure availability to perform Credit Evaluation, Client Engagement and Training/Mentoring outputs as per above. Measure: Stakeholder feedback Attendance and participation at meetings Project management : Participates in projects and any ad-hoc functions, including training of staff. Measure: Projects completed within SLA's and expected outcomes Preferred Qualification and Experience Minimum Qualification: First Degree-Field of study: Finance and Accounting B/Comm Accounting or Financial Management Degree or Credit Diploma or other relevant credit training Credit Risk Management: 5-7 Years Experience in intuitive credit assessment and decisioning in relevant segment and products (i.e. across business, entrepreneur, lifestyle and personal). Thorough knowledge and understanding of financial statements. Knowledge and understanding of repayment structures, collateral and collection processes within the banking environment. Understanding of legalities associated with lending and collateral. Knowledge/Technical Skills/Expertise Computer Literacy Risk Principles Legal Principles - Collateral Credit Granting