Well established *Financial Services Company* is looking for a *Credit Manager* - *Banking* based in Pietermaritzburg
Experience with Agriculture sector clientelle is essential
*Purpose of the job:*
Evaluates portfolio risks, makes final credit decisions and interacts with other departments regarding credit management strategies
*Key Responsibilities:*
*Finance*
*Net Asset Growth Business*

* Drive an increase in average balance of assets as defined in the Financial Performance Report of the Business
*Reduce Percentage Non-Performing Loans*

* Reduce percentage of Non-performing loans as a percentage of total performing book based on the business' performance
*Reduce Bad Debt Against Total Performing Loans Utilization*

* Reduce bad debts as a percentage of performing loans utilization based on effective lending principals applied during approval
*Client*
*Credit Service Delivery*

* Deliver exceptional credit service that exceeds customers' expectations through proactive, innovative and appropriate solutions
*Partnership Management*

* Cultivate and manage objective working relationships with a variety of stakeholders, including end-users, SME's, project managers and senior staff members
*Provision of Subject Matter Expertise*

* Maintenance of expert knowledge on relevant legislative amendments, industry best practices and provision of proactive advice and solutions to relevant stakeholders
*Credit Approval Turnaround Time*

* Ensure average approval turnaround time against target to ensure retention of clients
*Process*
*Credit Approval Process*

* Credit approval focus by Assessing credit applications as part of Credit Panel
*Corporate Governance Compliance*

* Comply with governance in terms of legislative and audit requirements
*Credit Pipeline Management*

* Efficient management of high risk portfolio including timely identification of high risk clients, checking security and mitigating risk by taking outstanding and new security and reducing limits
*Basel || Compliance*

* Manage and ensure compliance to the Basel || accord
*Manage Clients in Excess of Limits to Minimum*

* Manage limits that are in excess of normal limit by reducing number against total limits
*Manage Credit System*

* Ensure proper implementation, upkeep and accuracy of the Credit System and the raising of accurate provisions
*Credit and Debt Restructuring Principles*

* Applying credit roadmap and debt restructuring principles including the proper application of credit principles and a proper understanding of liquidation and restructuring processes
*National Credit Reporting (ICRC)*

* Preparation of presentation credit related reports
*People*
*People Management*

* Plan and manage performance, skills development, employment equity, talent, and culture of team in order to improve innovation, achieve efficiencies and increase competencies
*Personal Development*

* Manage personal development to increase own skills and competencies
*Educational Requirements*

* Grade 12 / Matric
* Relevant Degree or Diploma
* Customer Service experience of at least 1 - 3 years