Credit Manager

Capitec Bank; Sandton; On-site; ZAR 450,000 - 600,000; Full time

Job summary

A leading financial institution in Sandton is seeking a Credit Manager. The candidate should have at least 5 years of Credit Management experience and a Bachelor's Degree in Credit Management or Banking. Key responsibilities include minimising risks through effective credit processes and ensuring compliance with the bank's risk parameters. Strong analytical, problem-solving, and decision-making skills are essential. Clear criminal and credit records are prerequisites.

Qualifications

• 5+ years Credit Management experience across Personal and Business markets.
• Current Person-to-holder Credit Mandate.

Responsibilities

• Minimise risk of loss through bad debts and maximise profits.
• Interact with other areas of the bank to ensure compliance with risk parameters.

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

Education

Bachelor's Degree in Credit Management or Banking

Job description

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 Bank’s 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

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

Conditions of Employment

• Clear criminal and credit record