Standard Bank Group is a leading Africa-focused financial services group, and an innovative player on the global stage, that 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. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you.
To contribute to the implementation of adequate Credit Risk controls for complex business entities, across two main business streams inclusive of BCB and CIB, specifically focusing on risks encountered in the post-credit granting stage of the lending process by ensuring the appropriateness, applicability, consistency, validity, and enforceability of all collateral and confirming that collateral are in legal order and properly housed to secure assets in order to mitigate risks.
Job Summary
- Type: full-time
- Location: Gaborone
- Category: Banking
- Closing Date: 2026-07-30
Key Responsibilities
- To contribute to the implementation of adequate Credit Risk controls for complex business entities, across two main business streams inclusive of BCB and CIB, specifically focusing on risks encountered in the post-credit granting stage of the lending process by ensuring the appropriateness, applicability, consistency, validity, and enforceability of all collateral and confirming that collateral are in legal order and properly housed to secure assets in order to mitigate risks.
Requirements
- Type of Qualification: First Degree
- Field of Study: Business Commerce
- Experience Required: Credit Risk – BCB, Risk & Corporate Affairs, 1-2 years. Experience with home loans and lending will be beneficial in this role. Preferable to have banking experience, particularly pertaining to banking processes with regard to collateral documentation and the operation thereof.
- Experience Required: Personal and Business banking, 1-2 years. Personal and Business banking will provide holistic exposure regarding credit risks, lending and associated collateral. Preferable to have banking experience, particularly pertaining to banking processes with regard to collateral documentation and the operation thereof.
- Experience Required: 1-2 years. Understanding of the bank’s products & facilities. Understands the terms of the facilities, & the conditions that will need to be compiled with over the duration of the facility’s life to ensure that legal risk is effectively restricted.
- Behavioural Competencies: Adopting Practical Approaches, Checking Things, Examining Information, Following Procedures, Interacting with People, Managing Tasks, Meeting Timescales, Producing Output, Resolving Conflict, Taking Action, Team Working, Upholding Standards
- Technical Competencies: Asset Based Lending, Contract Management, Loan Assessment & Approval, Loan Processing, Mortgage Lending, Risk Acceptance, Risk Identification, Risk Measurement
How to Apply
To apply, please visit: jobs.smartrecruiters.com
Job Code: 744000135969169
Frequently Asked Questions
What qualifications are typically required for an Officer, Collateral Maintenance role in Botswana's banking sector?
A degree in finance, accounting, business administration, or a related field is often preferred for this role. Relevant certifications in banking operations, credit risk management, or legal support can also be highly advantageous. Prior experience in credit administration, loan operations, or legal departments within a bank is usually essential.
What are the common day-to-day responsibilities of an Officer, Collateral Maintenance?
Day-to-day tasks involve meticulous verification, tracking, and safekeeping of collateral documents and ensuring their compliance with credit policies. This includes monitoring collateral values, managing insurance policies, and updating records for all secured assets accurately. The role also entails preparing regular reports on collateral status and assisting in internal or external audits.
What is the typical work culture like for a banking professional in Botswana, especially in a back-office role?
Botswana's banking sector emphasizes professionalism, strict adherence to compliance, and meticulous attention to detail in all operations. Expect a structured, process-driven environment where teamwork and individual accountability are highly valued. Punctuality, a strong work ethic, and commitment to meeting deadlines are universally expected in the local corporate culture.
What are the realistic career progression paths for an Officer, Collateral Maintenance in Botswana?
Career progression can lead to senior roles within credit operations, risk management, or specialized lending departments. Opportunities may also arise in compliance, legal support, or eventually management positions within the bank's broader operations framework. Continuous professional development, further certifications, and demonstrated performance are key for advancement.
What typical benefits can an Officer, Collateral Maintenance expect in Botswana's banking sector?
Benefits packages usually include competitive medical aid schemes, a robust pension fund, and annual leave allowances as per Botswana's labor laws. Many banks also offer performance-based bonuses, group life insurance, and access to internal training and development programs. These are standard expectations for professional roles in established financial institutions within the country.
How should I tailor my application, and what do employers in Botswana look for in candidates for this role?
Employers seek candidates with strong analytical skills, meticulous attention to detail, and a solid understanding of credit and legal documentation principles. Highlight your experience with banking systems, compliance frameworks, and any relevant legal or accounting background you possess. Emphasize your proven ability to work within strict regulatory guidelines and manage critical documentation effectively.