Job Description

Our client in the financial services is urgently looking for a Credit Manager to manage the overall applications receivable from Commercial Development and Business Banking (CDBB) portfolio assigned to their defined region as it relates to credit assessment function and credit risk management of new business, existing business and restructured accounts.

KEY PERFORMANCE AREAS;

• Manage the end to end credit process of Commercial Development and Business Banking clients in order to enable the Bank to provide sustainable financing to Commercial Development and Business Banking farmers
• Collectively approve loans and credit limits under delegated authority within the Commercial Credit Committee (CCC) structure and review transactions for recommendation within delegated authority mandate
• Find innovative credit solutions for Commercial Development and Business Banking clients in order to ensure that credit risks in this target market are adequately assessed, mitigated and controlled
• Co-ordinate Commercial Credit Committee (CCC) , Credit Adjudication Committee (CAC) and Pricing Committee meetings; manage committee processes and policies, and act as an information and reference point for the Chairman and other committee members.
• Manage, control and authorise tasks performed by subordinates ( output of the Credit Analysts and Credit Administrators)
• Effectively liaise and communicate with the relevant stakeholders within the Bank to action performance gaps and variances in the credit evaluation process
• Actively provide input in the review and or improvement of the Credit Policy and Procedures in order to enhance and ensure that the legal and business requirements are met
• Management of the records ( minutes, agendas, decision forms, registers, ratings and declarations) and safe keeping of all CRMC, CCC, CAC and Pricing committee meetings attended

REQUIRED EDUCATION AND EXPERIENCE

• A relevant 3 year qualification (Degree/Diploma e.g. BCom or BTech)
• BSc Agriculture degree could be considered with relevant commercial experience
• 5- 8 years Credit management experience which includes
• Exposure in the primary or secondary agriculture environment
• Credit assessment for new, existing exposure and NPL customers
• Knowledge of NCA, POPIA and Company Act is added advantage
• Strong Financial and Credit Analysis skills
• Exposure in Development finance is added advantage
• Structured trade and commodity finance

If you don't hear from us in the next two weeks, please consider your application to be unsuccessful.

Edge Executive