About this role
Credit Evaluation Manager
NOTE: This role does not offer Relocation or Sponsorship. Applicants must be eligible to work in Isle of Man.
We are looking for an experienced Credit Evaluation 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.
Qualifications
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Essential
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Degree in Finance, Accounting, Business Commerce or a related discipline.
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5-7 years' experience in credit assessment, credit risk decisioning and lending within banking or financial services.
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Strong understanding of financial statements, repayment structures, collateral management and credit processes.
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Advantageous
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Real estate, property finance or structured lending education.
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Key outputs
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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.
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Design or challenge fit-for-purpose security packages, guarantees, cessions, mortgage or other collateral arrangements, intercreditor terms and enforcement priorities.
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Make credit decisions and recommendations in line with applicable lending policies, regulatory requirements and sound credit risk principles.
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Identify and mitigate credit risks through appropriate security structures, facility conditions and ongoing portfolio monitoring.
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Build strong relationships with business stakeholders and act as a trusted advisor on credit matters.
Behavioural Competencies:
- Examining Information
- Making Decisions
- Checking Things
- Convincing People
- Articulating Information
Technical Competencies:
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Credit Delivery
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Legal Knowledge
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Loan Assessment & Approval
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Risk Reporting
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Additional Information
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Closing date
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23 October 2026
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Our Commitment to Diversity, Equity and Inclusion
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Standard Bank Group is committed to fair and inclusive employment practices. We aim to build a workforce that reflects the diversity of the communities we serve and welcome applications from candidates of all backgrounds, including people with disabilities. We strive to create an environment where everyone has an equal opportunity to contribute and grow.
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Please note: All our recruitment processes comply with the applicable local laws and regulations. We will never ask for money or any form of payment as part of our recruitment process. If you experience this, please contact our Fraud line.