Credit Manager

Robert Walters; Gauteng; On-site; ZAR 40 000 - 80 000; Full time

Job summary

An established industry player is seeking a Credit Manager to oversee credit activities across a diverse client portfolio. This role involves leading a team of analysts and ensuring comprehensive credit analysis and risk management. The ideal candidate will have a strong background in finance, with a passion for continuous learning and development. You'll be collaborating with various stakeholders to present well-considered credit recommendations, contributing to effective business strategies. This in-office position offers a dynamic environment with opportunities for professional growth, making it an exciting chance to make a significant impact in the company.

Qualifications

• 3+ years of experience in lending or credit management.
• Strong understanding of credit principles and risk analysis.

Responsibilities

• Conduct detailed credit analysis for client facility adjustments.
• Present credit requests to board and credit committees.

Skills

Credit Analysis

Lending Experience

Analytical Skills

Communication Skills

Problem-Solving

Education

Bachelor of Commerce in Finance

Bachelor of Commerce in Accounting

Tools

Financial Modelling Software

Job description

Credit Manager Job Description

Within this role, you'll have a comprehensive scope, overseeing credit activities across the client portfolio.

You'll lead the Credit Analyst and other risk teams, ensuring robust credit analysis and preparation of credit applications for facility adjustments.

Collaborating with stakeholders, you'll present well-considered credit recommendations to committees, contributing to effective risk management and business strategies.

The dynamic environment offers exciting opportunities for professional growth, with success defined by delivering sound credit papers and facilitating smooth credit operations.

Key qualifications of the Credit Manager include:

• Bachelor of Commerce degree in Finance, Accounting, or higher preferred
• 3+ years of lending or credit experience required
• Sound credit analysis experience required
• Commercial legal knowledge preferred

Key duties for the Credit Manager include but are not limited to:

1. Conduct detailed credit analysis covering financial, operational, collateral, shareholder, and industry aspects
2. Prepare credit papers for client facility adjustments and covenant breaches
3. Present requests to the board and Group credit committees
4. Engage continuously with clients for monitoring, identifying credit stress, and assisting in recoveries, while ensuring compliance and collaborating with stakeholders to manage credit risk effectively.

Additional requirements include proficiency in banking products, strong analytical skills, understanding of credit principles, industry knowledge, familiarity with legal aspects, Basel and AIRB frameworks, financial modelling, and proficiency in relevant software.

Key personal skills for an effective Credit Manager include:

• Strong communication and interpersonal skills
• Passion for continuous learning and development
• Meticulous attention to detail and analytical abilities
• Ability to thrive under pressure, prioritize tasks, resolve conflicts, and solve problems creatively

If you are passionate about credit management and possess strong analytical skills or experience in lending and risk analysis, please get in touch to learn more about this exciting opportunity to contribute to the company's success.

This is an in-office position with some flexibility.