Purpose Statement * To minimise the risk of loss through bad debts, and maximise profits for the business through effective execution of credit application, evaluation and approval processes, and ensuring the quality of credit risks across the portfolio is maintained. To interact with other areas of the bank and acting as a catalyst in ensuring compliance with agreed risk parameters as set out in the Banks strategy. Experience Minimum: * At least 5 years Credit Management experience across Personal and Business markets * Current Person-to-holder Credit Mandate Ideal: * At least 5 years Credit Management experience across Personal and Business markets * Experience in Intuitive Credit Granting Qualifications (Minimum) * Bachelor's Degree in Credit Management or Banking Qualifications (Ideal or Preferred) * Honours Degree in Credit Management or Banking Knowledge Minimum: * Business knowledge * Risk Management * Understanding of Project Management methodologies and processes, * People Management * Financial Management * In-depth understanding of the NCA Ideal: * Knowledge of Intuitive Credit Granting
Skills * Commercial Thinking Skills * Computer Literacy (MS Word, MS Excel, MS Outlook) * Analytical Skills * Problem solving skills * Decision making skills * Attention to Detail * Numerical Reasoning skills Competencies * Working with People * Analysing * Entrepreneurial and Commercial Thinking * Coping with Pressures and Setbacks * Delivering Results and Meeting Customer Expectations * Planning and Organising Conditions of Employment * Clear criminal and credit record