Business & Commercial Banking (BCB) Risk Graduate Programme – Structured Credit Risk at Standard Bank
Business & Commercial Banking (BCB) Risk Graduate Programme – Structured Credit Risk at Standard Bank
DEADLINE: 30 June 2025
Job Description
Are you a recent law graduate looking to make a significant impact in the financial sector? They are seeking talented individuals to join their Structured Credit Risk division as Graduate Trainees.
This 18-month graduate program is designed to equip you with the skills and experiences necessary to become a skilled Risk Practitioner within the Business & Commercial Banking segment of Standard Bank. You will receive guidance and support from Senior Executives & Managers who oversee the Risk Management portfolios.
Through a series of rotations, you will learn how risk is managed in the bank and gain extensive experience in various areas of Credit Risk within the Business & Commercial Banking business unit across South Africa. These areas include:
- Legal and Regulatory Compliance
- Understanding the legal frameworks governing credit risk.
- Ensuring compliance with regulatory requirements.
- Drafting and reviewing legal documents related to credit risk.
- Credit Risk Assessment
- Conducting thorough risk assessments for potential clients.
- Evaluating the legal implications of credit decisions.
- Collaborating with the credit evaluation team to support the Commercial Segment’s asset growth targets.
- Risk Mitigation Strategies
- Developing strategies to mitigate legal risks associated with credit.
- Advising on the legal aspects of risk management policies.
- Supporting business partners in understanding and meeting client lending needs.
- Quantitative and Qualitative Analysis
- Analysing data to evaluate current strategies and develop innovative challenger strategies.
Providing legal insights to inform decision-making and customer-centric strategies.
Why join Standard Bank?
- Comprehensive Training – Receive in depth training from industry experts to build a solid foundation in credit risk.
- Professional Development – Access mentorship, networking opportunities, and resources to support your growth.
- Real-World Projects – Work on projects that have a tangible impact, helping you apply your knowledge and skills.
- Career Pathways – Our program opens doors to a rewarding career at Standard Bank.
Take the next step in your career journey with us and be part of a team that values innovation, collaboration, and excellence.
During this 18-month programme you can look forward to:
- Legal and Credit Evaluations – Ensure that credit evaluation processes and decisions are executed effectively within the parameters of relevant legal and product policies.
- Credit Risk Lifecycle – Collaborate with the Credit Risk Management team to prepare agreements, manage pre-conditions for loan drawdowns, release limits, and manage post-sanction conditions.
- Operations Processes – Review and ensure compliance with detailed standard operating procedures and service level agreements.
- Project Management – Participate in projects and ad-hoc functions, including training staff and supporting Customer Journeys.
- Stakeholder Management – Network and build strong mutual relationships across the Business and Commercial banking team.
- Client Engagement – Support the business in understanding clients and ensuring lending opportunities fall within risk appetite.
Requirements
Qualifications
Masters or Honours in:
BCom Law / Bachelor of Laws (LLB)
Accounting in final year advantageous.
Honours qualification to be completed by 31 December 2025
Minimum requirements:
- South African Citizen
- Should you have work experience, it should not exceed 18 months
- Full academic transcripts to be submitted with application for undergraduate and postgraduate studies
Also Check: Standard Bank Business & Commercial Banking (BCB) Risk Graduate Programme – Agriculture
