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The programme

It's vital you take the time to understand which graduate programme is right for you, so make sure you read through this section and size up the full range of our opportunities. Entry requirements and course structure vary considerably, but there's one thing all of our programmes have in common: you'll be developing your skills, gaining experience and contributing to real-world results from the moment you join us.

Ready? It starts here.

Corporate and Investment Banking (CIB) - Credit Risk graduate programme

There's only one thing we take more seriously than reducing risk and ensuring our business makes the best decisions right now: finding people with the skill and staying power to help shape how we do it in the future.

With the banking industry shifting to an economic capital business philosophy and the evolution of sophisticated derivative markets, risk management has become enormously complex and increasingly professional. Credit risk management is crucial in understanding the nature and quality of our counterparties as well as their concentrations in terms of industry and country.

We partner the business to understand credit risk so we can apply appropriate pricing to optimise the bank's risk-adjusted return. This involves understanding and assessing a range of risk areas including credit, financial, economic, legal, political, regulatory, environmental and reputational risks. Join us and you'll enjoy direct, dynamic and stimulating exposure to all the key businesses and transactions at the heart of CIB's expertise.  Your rotations will span across Market Risk, Corporate credit, Operational Risk, Real Estate Services, Financial Institutions and Country Risk will allow you the opportunity to gain close-up and comprehensive experience of our work and impact, ensuring your specialism soon matures into expertise

Duration: 18 months
Degree: Minimum Honours BCom or BSc. You must have studied accounting, finance, statistics or economics. Previous work experience: Maximum one year post qualification.
Citizenship: You must be a citizen or permanent resident of the country you're applying to; for the Johannesburg programme, you must be a South African citizen.


2016 Applications open from 1 March to 30 June 2015

* CA (SA) applications open until 30 July 2015


What you'll get

We're committed to quality and value in everything we offer our customers. And because you'll contribute to both from the moment you join us, it's only fair we recognise the quality you bring. And just how much we value it.

You'll see it in how we manage and reward your performance, as well as the extra benefits you could be entitled to – perhaps even shares in the bank. It all depends on the programme you choose, plus one huge factor: you.

How you'll grow

We strive to push our bank forward so we can effect real, positive change for the communities we work in today, and those we hope to work in tomorrow. But nothing's more important than helping our people push themselves forward and expand their potential.

Your core training is adapted to the programme you choose. But everything else is down to you. Right here is a world of development opportunities – anything from shadowing senior colleagues to sharing expertise at international conferences – and a continent of untapped potential. Your chances; your choices.

© 2013 The Standard Bank of South Africa Limited. Authorised financial services provider. Registered credit provider.
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