Credit Manager

Robert Walters; Gauteng; On-site; ZAR 500 000 - 700 000; Full time

Job summary

A leading recruitment agency seeks a Credit Manager in Gauteng to oversee credit activities across the client portfolio. This in-office role requires expertise in credit analysis, financial modeling, and strong analytical skills. The ideal candidate has a Bachelor's in Commerce and at least 3 years of relevant experience. Responsibilities include preparing credit applications and presenting recommendations to credit committees. Excellent communication and a passion for finance are essential for success in this dynamic environment.

Qualifications

• 3+ years of lending or credit experience required.
• Sound credit analysis experience required.
• Commercial legal knowledge preferred.

Responsibilities

• Conduct detailed credit analysis across various aspects.
• Prepare credit papers for client facility adjustments.
• Present requests to the board and Group credit committees.
• Monitor clients for credit stress and compliance.

Skills

Strong communication and interpersonal skills

Passion for continuous learning and development

Meticulous attention to detail

Strong analytical abilities

Education

Bachelor of Commerce degree in Finance or Accounting

Tools

Excel

PowerPoint

Job description

Job Overview

Credit Manager Job DescriptionWithin 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.

Qualifications

Key qualifications of the credit manager:

• 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

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

Key Personal Skills

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

Proficient in banking business and product knowledge. Strong analytical skills including financial statement analysis and understanding of IFRS. Comprehensive grasp of credit principles and lending processes. Knowledgeable about various industries and macroeconomic factors impacting clients. Familiarity with commercial legal aspects such as insolvency, collateral, and deal structures. Understanding of Basel and AIRB Capital frameworks, coupled with financial modelling and forecasting abilities. Proficiency in Excel, PowerPoint, and CGIC insurance cover understanding. This is an in-office position with a level of flexibility.

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