Senior Credit Manager- Credit Evaluation (JHB and CPT)

Role Information

Role Title: Senior Credit Manager

Division: Intuitive Credit

Number of Positions: 3

Locations: Gauteng, Mpumalanga and Western Cape

Purpose Statement

• To evaluate and manage the intuitive credit and associated risks within an allocated portfolio in a geographic region; effectively integrating and controlling the credit function by maintaining the quality of credit risks across the portfolio, minimizing the risk of loss through bad debts, while maximizing profits.
• To interact with other areas of the bank, acting as a catalyst in driving changed initiatives in ensuring compliance within agreed risk parameters as set out in the changed strategy.

Experience

Minimum:

• At least 8 -10 years banking experience, 5 of which in credit
• Credit Management experience across business and commercial markets in the intuitive space as well as the scored lending environment
• Working within the requirements of the National Credit Act and other relevant legislation
• Significant experience in preparing and motivating Credit applications

Ideal:

• Experience of managing a portfolio of business customers with a service and financial analysis focus.

Qualifications (Minimum)

Qualifications (Ideal or Preferred)

Knowledge

Minimum:

• Business acumen
• Risk management principles and processes
• Project management methods and practices
• Relationship building and management techniques
• Financial management
• Customer relationship management (CRM) principles and techniques
• Knowledge of competitor product offerings/ channels/ operational and marketing tactics.
• Credit principles and practices, including an understanding of credit application, securities
• Legal entities (companies, close corporations, sole proprietorships etc.) in the commercial market and the legislative restrictions and requirements governing these from a financial services perspective.
• Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA).
• Able to extract, analyse and apply CRM insights to influence the client management approach and strategy

Ideal:

• Products available and pricing structures
• Current taxation laws as they apply to clients
• A good knowledge of administration processes and procedures pertaining to Business Banking transactions
• Financial Modelling; financial analysis (evaluating and identifying trends), complex cash flow cycles (industry/ sector specific)

Skills

Conditions of Employment