Credit Manager
Afrizan Personnel
Gauteng, JHB North, South Africa
20h ago


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.


  • 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
  • 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


    Banking / Finance And Investment

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