Job Description

PRIMARY PURPOSE
The role is responsible for managing an assigned credit portfolio, ensuring the effective implementation and consistent application of credit policy, credit controls, risk management, and compliance with regulatory and organizational standards.
The Credit Manager oversees the credit granting process to ensure sound credit decisions, the consistent application of credit policy, and the maintenance of a healthy and profitable lending portfolio that supports business growth while minimizing financial risk.
TECHNICAL COMPETENCY REQUIREMENT

• Ability to evaluate borrower creditworthiness through financial, business, and risk analysis.
• Skilled in interpreting financial statements, cash flow, and ratio analysis to support sound lending decisions.
• Applies and enforces the bank's credit policies, risk appetite, and lending standards consistently.
• Understands key banking regulations (Basel III/IV, IFRS 9, AML/CFT, National Credit Act) and ensures compliance.
• Monitors and manages loan portfolios to maintain asset quality and minimize credit losses.
• Proficient in Corporate, Commercial, Business Banking, Trade Finance, and Forex credit products.
• Evaluates adequacy and enforceability of collateral and ensures proper documentation.
• Structures, assesses, and approves credit proposals within delegated authority, balancing risk and profitability.
• Utilizes banking systems and credit tools effectively for analysis, monitoring, and reporting.
• Identifies, restructures, and manages distressed accounts to minimize losses.
• Prepares accurate reports on exposure, delinquency, and portfolio trends for management insight.
• Aligns credit pricing with risk-adjusted returns and financial KPIs.
• Leverages digital tools and analytics to improve credit assessment and decision efficiency.
• Aligns credit decisions with the bank's strategic objectives and profitability goals.
• Ensures completeness, compliance, and enforceability of credit and loan documentation.

REQUIRED MINIMUM EDUCATION AND TRAINING

• Bachelor's degree in finance, Accounting, Economics, or Business Administration.

REQUIRED MINIMUM WORK EXPERIENCE

• Minimum of 5-8 years' experience in credit assessment, risk management, or portfolio management within a banking environment.
• Strong understanding of Corporate, Commercial, Business Banking, and Trade Finance products.
• In-depth knowledge of credit risk frameworks, financial analysis, and banking regulations.

KEY PERFORMANCE AREA (KPA)
FINANCIAL MANAGEMENT

• Assess and recommend credit applications for lending products including overdrafts, term loans, asset finance, trade facilities, and foreign exchange lines.
• Conduct detailed financial and credit risk analyses, including cash flow assessments, collateral evaluation, and customer due diligence.
• Approve or recommend credit facilities within delegated authority levels.
• Ensure all credit proposals comply with the Bank's policies, procedures, and regulatory standards (e.g., Basel III, IFRS 9, SARB, etc.).

CUSTOMER CENTRICITY

• Partner with sales teams and relevant stakeholders to support business objectives and client service delivery.

OPERTIONAL EXCELLENCE

• Manage reviews and drive process.
• Manage collateral requirements.
• Conduct periodic reviews of facilities to identify early warning signals and propose corrective measures.
• Collection of financial information from internal clients
• Ensure appropriate credit controls and governance are maintained throughout the credit life cycle.
• Work closely with Sales teams to proactively manage client risk exposures.

PEOPLE LEADERSHIP

• Inspire, motivate, and support team so that they are effective and delivering high quality work and meeting organisational and individual objectives.
• Monitor team performance, conduct regular performance reviews, and ensure adherence to KPIs and legal compliance.
• Ensure that all employees are motivated and developed.
• Inspire and engage employees around the vision and strategy of the Bank, maximising employee engagement and willingness to invest discretionary effort.
• Maintaining departmental structures, processes, and resources.
• Reporting to the Credit Committee and Snr Credit Committee
• Managing the process for Bad Debts and Impairments

COMPLIANCE AND MONITORING

• Maintain awareness of regulatory and market developments that impact credit risk.
• Ensure compliance with all relevant internal controls, risk policies, and legal requirements.
• Contribute to policy updates and participate in internal audit and regulatory reviews.

STAKEHOLDER MANAGEMENT

• Build a trusted advisor relationship with the Leadership Teams ensuring they are proactively and effectively advised on governance, compliance matters.
• Liaise with Legal, Compliance, and Collections to ensure effective management of distressed accounts.
• Ensure that all regulatory, legal, compliance and change requirements are planned, communicated, and fully understood by all executives and members of staff when implemented, and that where appropriate, effective levels of support are available from internal/external providers.
• Work collaboratively with management to develop investigative strategies.
• Work collaboratively across function teams within Fraud Operations, Fraud Prevention and Financial Crime Investigations to ensure effective and efficient operations with clearly defined roles and responsibilities in connection within the relevant teams.

REPORTING

• Prepare regular reports on portfolio performance, credit exposure, and risk trends.
• Analyze and report on portfolio quality indicators, including delinquency rates, impairments, and concentrations.
• Provide management with insights and recommendations for risk mitigation and business growth.

LEARNING AND GROWTH

• Work with Learning & Development to implement appropriate education, learning and communication for employees.
• Take ownership for driving own career development.
• Achievement of objectives/milestones set out in the development plan.
• Preparation and signing off of the development plan
• Development of knowledge base and intellectually property.

WORK CONDITION: OFFICE BOUND
This position is advertised in line with our commitment to Employment Equity.

Skills Required