Credit Manager

Capitec Bank Ltd.; Sandton; On-site; ZAR 600,000 - 800,000; Full time

Job summary

A leading South African bank is seeking a Credit Manager to minimise risks and ensure compliance with credit application processes. Applicants should possess a Bachelor's Degree in Credit Management or Banking and have at least 5 years of relevant experience. Skills in commercial thinking and computer literacy are essential for this role, which is crucial for maintaining high-quality credit risks across the portfolio.

Qualifications

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

Responsibilities

• Minimise risk of loss through bad debts.
• Ensure compliance with risk parameters.
• Interact with other areas of the bank.

Skills

Commercial Thinking Skills

Computer Literacy (MS Word, MS Excel, MS Outlook)

Education

Bachelor's Degree in Credit Management or Banking

Job description

Responsibilities

• 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 act 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

Qualifications (Ideal or Preferred)

• Honours Degree in Credit Management or Banking

Knowledge

Minimum:

• Business knowledge
• Understanding of Project Management methodologies and processes,
• People 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)

Capitec Bank is an authorised financial services provider (FSP 46669) and registered credit provider (NCRCP13). Capitec Bank Limited Reg. No: 1980/003695/06