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Credit Manager

Vacancy Details

Reference No.

PG-44171

Synopsis

Our client in the financial services industry is seeking to employ a Credit Manager who will be accountable for providing a superior client service through people by applying sound lending credit principles thereby enabling the organisation to grow its client base within an acceptable credit risk appetite.

Description

  • Build and maintain effective working relationships with stakeholders by providing a range of specialised credit risk management advisory services
  • Manage client expectations by operating within the specified parameters and service level agreements (SLA)
  • Contribute to a culture conducive to the achievement of transformation goals by participating in the organisations’ culture building initiatives e.g. staff surveys etc.
  • Participate and support corporate responsibility initiatives for the achievement of business strategy e.g. Green Strategy
  • Seek opportunities to improve business processes and systems by identifying and recommending effective ways to operate and adding value to the organisation
  • Ensure compliance by sanctioning credit decisions based on the credit policy guideline in conjunction with relevant organisation strategy and the analysis based on the information provided within applicable mandate
  • Enhance policies and procedures by recommending and making submissions to the relevant parties
  • Adapt to changes in Legislation, economic and industry conditions by implementing the changes to credit policies, processes and systems where applicable
  • Manage and sustain acceptable credit risk appetite by applying credit risk management processes to diverse portfolios
  • Give overview of the book by developing and preparing portfolio review presentations based on the Management Information System (MIS)
  • Identify the various credit risks pertaining to a client by analysing and interpreting financial, market and business information
  • Ensure quality of submissions of credit applications / reviews / portfolio reports by reviewing and evaluating information from direct reports and stakeholders
  • Suggest alternative funding solutions by making recommendations based on the credit policy guideline and the analysis based on the information provided
  • Manage daily activities of direct reports by monitoring the staff output
  • Manage performance and build the intellectual capital of the team by conducting on the job training, counselling and coaching
  • Support the achievement of the business strategy, objectives and values by reviewing the organisations’ and Business Unit Plan and ensuring delivered systems, process, services and solutions are aligned
  • Identify training courses and career progression for self through input and feedback from management
  • Ensure all personal development plan activities are completed within specified timeframe
  • Share knowledge and industry trends with team and stakeholders during formal and informal interaction
  • Obtain buy-in for developing new and or enhanced processes (e.g. operational processes) that will improve the functioning of stakeholders' businesses by highlighting benefits in support of the implementation of recommendations

Requirements

Qualifications

Essential – NQF Level

  • Advanced Diplomas / National 1st Degrees

Preferred

  • BTech in Credit Management, Post Graduate Qualifications
  • Preferred Certifications

 

Experience

  • 5 years extensive experience in credit granting across banking and lending products

 

Requirements and Skills

  • Relevant software and systems knowledge
  • Business principles
  • Business writing
  • Business Acumen
  • Business terms and definitions
  • Relevant regulatory knowledge
  • Industry and Economic trends
  • Banking knowledge
  • Banking procedures
  • Research methodology
  • Principles of financial management
  • Cluster specific operational knowledge
  • Principles of project management
  • Communication Strategies
  • Data analysis
  • Decision-making process
  • Governance, risk and controls
  • Product knowledge
  • Portfolio magement

Kindly note, if you have not heard from us within two weeks of your application please consider it unsuccessful

Position Type

Permanent

Work Level

Senior

Salary

Market Related

Industry

Banking/Finance And Investment

Salary Type

Monthly

Package

Cost To Company

Affirmative Action

Yes

Geographic Location

Gauteng - JHB North