REGIONAL HEAD: CREDIT RISK (POLOKWANE)

CLOSING DATE 21 JANUARY 2025

PURPOSE
Manage Commercial Banking and Transformation credit assessment function within the designated region. Manage and oversee all lending activities and risks associated to credit granting and underlying clients within approved Company mandate and risk appetite as determined by the Bank from time to time in accordance to approved Credit Policies, norms and mandates. Provide leadership to ensure that the key strategic objectives are met. Responsible to manage and mitigate credit risk in the designated region which includes. Be responsible for adopting and optimising a best fit operational model with the appropriate finance, governance and risk framework and controls, and ensure alignment with the Bank's guidelines, policies and legislation

• Establish, input, implement and take lead in the reviewing of credit policy; procedures; credit risk frameworks in collaboration with internal and external stakeholders.
• Introduce and embed operational efficiencies by implementing customer centric credit execution of credit strategy, function inclusive of related policies, norms and SOP and making informed credit recommendations.
• Identify improvement opportunities to credit processes which will reduce risk by conducting gap analysis for emerging commercial farmers, medium and large commercial farmer segments at a regional level and support the Company's prudent lending approach.
• Manage credit risk by keeping abreast of appropriate legislation through relevant research and benchmarking to align to industry best practices.
• QUALIFICATIONS
• B Degree in agricultural economics / finance / Commerce/Credit Risk/Accounting
• EXPERIENCE
• 8 years Managerial experience in credit granting environment
• 5 years Senior management level
• JOB DUTIES / RESPONSIBILITIES
  Formulate and implement Commercial Banking and Transformation credit strategy

Desired Skills:

• Agricultural Development and transformation - Credit Granting Policies
• Norms & Procedures
• Financial & accounting Principles - Credit & financial analysis - Project Finance - Credit Lending Strategy and Systems

Desired Work Experience:

• More than 10 years

Desired Qualification Level:

• Degree