Role details

This position is now filled

Credit Manager

Johannesburg   •  Permanent

Bullet points

  • Credit Manager role available
  • Based in Africa, South Africa, Gauteng, Johannesburg

About Our Client

Our Client is Multinational Bank with over 30 000 employees world-wide and operates within 39 countries in Africa. The group is diversified within the rest of Africa and has been rated as one of the four largest banks in South Africa with an annual turnover exceeding ZAR 35 million. Our client boasts over 100 years' experience within the Banking sector.

Our client has partnered with various global and local partners with the primary focus of expansion being within the African region, with exciting developments forecasted.

Job Description

Finalise credit applications and excess reports. Credit decisions:

· Verify and check information received from your Credit Analyst

· Identify additional information required

· Develop a bankable solution for the client's needs

· Ensure compliance to credit policy

· Conduct client visits (where necessary) to develop deeper understanding of their business

· Finalise and sign-off applications

· Make credit recommendations

·Document decisions

·Attend relevant committee meetings

·Release the limit once security documents are in order

Ongoing management of credit risk:

·Review daily excess reports

·Identify early warning signals in client behaviour, industry or markets that are indicative of a change in the client's risk profile

·Ensure appropriate actions are taken on early warning signals to mitigate risks

·Refer/handover client to credit risk

·Manage MIS exceptions (e.g. annual or interim reviews, AFS, MAS, Excon and debtor lists

·Manage covenants (financial and non-financial)

Supervision, coaching and development of Credit Analyst:

·Interview and select Credit Analyst

·Train and develop Credit Analyst

·Review and manage performance of Credit Analyst

·Develop a career path for Credit Analyst

The Successful Applicant

The candidate must eb able to:

- Focusing and guiding others in accomplishing work objectives

- The ability to promote and maintain high ethical standards both personally and professionally and interacting with others in a way that gives them confidence in one's intentions and those of the organisation.

- The ability to express ideas or facts clearly in written documentation in order that the content is understood by the recipient.

- The ability to make balanced and sound decisions by understanding issues, problems, and opportunities; comparing data from different sources to draw conclusions; evaluating the probable consequences of alternative solutions and selecting the most promising alternative.

- The ability to perceive correctly and in visual detail; to notice and remember visual details.

- The ability to identify and interpret relevant information by using logic to see cause and effect relationships.

- Developing and using collaborative relationships to facilitate the accomplishment of work goals.

What's on Offer

Market related package that would include Pension, Medical Aid and a Performance Bonus