Credit Manager

Capitec; Sandton; On-site; ZAR 200 000 - 300 000; Full time

Job summary

A leading financial institution is seeking an experienced Credit Manager in Sandton. The role involves managing credit risks, ensuring compliance with risk parameters, and optimizing credit application processes. Candidates should have a minimum of 5 years of Credit Management experience and a Bachelor's Degree in Credit Management or Banking. This position offers opportunities for professional growth within a dynamic banking environment.

Qualifications

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

Responsibilities

• To minimise the risk of loss through bad debts.
• To maximise profits through effective execution of credit application processes.

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

Honours 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