CREDIT MANAGER: COMMERCIAL BANKING AND TRANSFORMATION ( EAST LONDON)

M-Ploy Global Resourcing; East London; On-site; ZAR 40 000 - 80 000; Full time

Job summary

An established industry player is seeking a Credit Manager to oversee the credit assessment and risk management for Commercial Banking and Transformation clients. This pivotal role involves managing the credit process, approving loans, and finding innovative credit solutions to support sustainable financing for farmers. The ideal candidate will have substantial experience in credit management, particularly within the agricultural sector, and will play a key role in enhancing credit policies and procedures. Join this dynamic team to make a significant impact in the banking sector.

Qualifications

• Credit management experience of 5-8 years in Commercial Banking.
• Experience in deal structuring for business banking.

Responsibilities

• Manage the end-to-end credit process for banking clients.
• Approve loans and credit limits within delegated authority.

Skills

Agriculture credit experience

Education

Relevant 3-year qualification (Degree/Diploma)

BSc Agriculture degree

Job description

CREDIT MANAGER: COMMERCIAL BANKING AND TRANSFORMATION ( EAST LONDON)

• EASTERN CAPE
• CLOSING DATE 19 MAY 2025
• PURPOSE
• The Credit Manager is responsible for the overall applications Commercial Banking and Transformation (CBT) assigned to their defined region as it relates to credit assessment function and credit risk management of new business, existing business and restructured accounts.
• Manage the end-to-end credit process of Commercial Banking and Transformation (CBT) Banking clients in order to enable the Bank to provide sustainable financing to farmers.
• Collectively approve loans and credit limits under delegated authority within the Regional Credit Committee (RCC), and review transactions for recommendation within delegated authority mandate.
• Review and present proposal to Credit Investment Committee (CIC) and full board.
• Find innovative credit solutions for Commercial Banking and Transformation (CBT) clients in order to ensure that credit risks in this target market are adequately assessed, mitigated and controlled.
• Co-ordinate Regional Credit Committee (RCC), Provincial Credit Committee (PCC) and Pricing Committee meetings;
• Manage committee processes and adherence to set policies, and act as an information and reference point for the Chairman and other committee members.
• Manage, control and authorise tasks performed by the Credit Analysts and Credit Administrators.
• Effectively liaise and communicate with the relevant stakeholders within the Bank to action performance gaps and variances in the credit proposals.
• Actively provide input in the review and or improvement of the Credit Policy and Procedures in order to enhance and ensure that the legal and business requirements are met.
• QUALIFICATIONS
• A relevant 3-year qualification (Degree/Diploma e.g. BCom or BTech)
• BSc Agriculture degree preferable with relevant Agric credit experience
• EXPERIENCE
• Credit management experience which includes: 5 - 8 Years
• Commercial Credit Finance/Business Banking deal structuring

Desired Skills:

• Agriculture credit experience

Desired Work Experience:

• 5 to 10 years

Desired Qualification Level:

• Degree