Credit Manager - Gauteng Johannesburg Region
*Responsibilities: *
* To effectively integrate, manage and control the credit function by ensuring that quality of credit risks across your portfolio is maintained, thereby minimising the risk of loss through bad debts, while maximising profits.
* To interact with other areas of the bank in acting as a catalyst in driving the changed initiatives in ensuring compliance with agreed risk parameters as set out in the changed strategy.
*Portfolio Management:*
* Managing the applicable credit portfolio to ensure that any problems are identified at an early stage and the appropriate remedial action is determined and taken through escalation as appropriate.
* Conduct research of various industries, best practice methodologies and changes in markets thereby identifying risks to adjust lending parameters.
* Offer guidance to business in structuring/customizing credit facility options and parameters for successful application of credit approvals.
* Early detection, management and escalation of risk to mitigate and/or minimise potential losses.
* Quality of credit assessment measured as a percentage of non-performing loans and provisions raised.
* Managing and controlling all associated risks including covenant management, security requirement and updates as well as the provision of required information/schedules.
*Risk Management:*
* Timeously identifies and takes corrective action to minimise risk within unit
* Monitors risk and has the ability to pre-empt risk for the client, unit and the bank. Stays abreast with changes in the industry, legislation, etc.
* Alignment and adherence to the NCA and other applicable legislative requirements at all time.
* Credit Data Analysis for credit risk or lending: - Analyse credit data to estimate degree of risk in extending credit or lending money by accessing credit applications and Comply with governance in terms of legislative and audit requirements.
*Minimum requirements:*
* Bachelor's Degree or CAIB Qualification
* At least 7 years Credit Management experience across Business and Commercial markets,
* Understanding of the National Credit Act ‘NCA'.
*Should you not receive a response from us within one week of your application, your application has unfortunately not been successful.*
You can visit our website for more vacancies: [URL Removed] / Facebook page @wePlace / LinkedIn [URL Removed]
* To effectively integrate, manage and control the credit function by ensuring that quality of credit risks across your portfolio is maintained, thereby minimising the risk of loss through bad debts, while maximising profits.
* To interact with other areas of the bank in acting as a catalyst in driving the changed initiatives in ensuring compliance with agreed risk parameters as set out in the changed strategy.
*Portfolio Management:*
* Managing the applicable credit portfolio to ensure that any problems are identified at an early stage and the appropriate remedial action is determined and taken through escalation as appropriate.
* Conduct research of various industries, best practice methodologies and changes in markets thereby identifying risks to adjust lending parameters.
* Offer guidance to business in structuring/customizing credit facility options and parameters for successful application of credit approvals.
* Early detection, management and escalation of risk to mitigate and/or minimise potential losses.
* Quality of credit assessment measured as a percentage of non-performing loans and provisions raised.
* Managing and controlling all associated risks including covenant management, security requirement and updates as well as the provision of required information/schedules.
*Risk Management:*
* Timeously identifies and takes corrective action to minimise risk within unit
* Monitors risk and has the ability to pre-empt risk for the client, unit and the bank. Stays abreast with changes in the industry, legislation, etc.
* Alignment and adherence to the NCA and other applicable legislative requirements at all time.
* Credit Data Analysis for credit risk or lending: - Analyse credit data to estimate degree of risk in extending credit or lending money by accessing credit applications and Comply with governance in terms of legislative and audit requirements.
*Minimum requirements:*
* Bachelor's Degree or CAIB Qualification
* At least 7 years Credit Management experience across Business and Commercial markets,
* Understanding of the National Credit Act ‘NCA'.
*Should you not receive a response from us within one week of your application, your application has unfortunately not been successful.*
You can visit our website for more vacancies: [URL Removed] / Facebook page @wePlace / LinkedIn [URL Removed]
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