Credit Manager Commercial Banking and Transformation Upington

Land Bank; Upington; On-site; ZAR 40,000 - 80,000; Full time

Job summary

An established industry player is seeking a Credit Manager to lead credit assessments and risk management in the agricultural sector. This pivotal role involves approving loans and credit limits, presenting proposals to committees, and finding innovative credit solutions for clients. The ideal candidate will possess strong analytical skills and experience in financial planning, ensuring sustainable financing for farmers. Join a dedicated team that supports the growth of agriculture in South Africa, making a meaningful impact in the community.

Qualifications

• Experience in credit assessment and risk management.
• Strong analytical and negotiation skills.

Responsibilities

• Oversee credit assessment and risk management for Commercial Banking.
• Manage the end-to-end credit process for clients.

Skills

Forecasting

Hyperion

Cost Management

Construction Estimating

QlikView

Bus Driving

Analysis Skills

HubSpot

Salesforce

Market Research

Negotiation

Financial Planning

Job description

Land Bank is South Africa's only specialist agricultural bank, established in 1912. The bank's sole objective is to serve South African commercial and emerging farmers by providing specially designed financial services. These services enable farmers to finance land, equipment, improve assets, and obtain production credit. Land Bank continuously reviews its offerings to ensure they meet the evolving needs of the industry, especially as the sector's socioeconomic makeup changes and new farmers from historically disadvantaged backgrounds enter the industry. Land Bank acts as a financial lifeline, offering tailored financial products that support the sustainability of agriculture in South Africa.

MAIN PURPOSE OF THE JOB

• The Credit Manager is responsible for the overall credit assessment and risk management of applications within their defined region, pertaining to new, existing, and restructured accounts in Commercial Banking and Transformation (CBT).
• Manage the end-to-end credit process for CBT clients to facilitate sustainable financing for farmers.
• Approve loans and credit limits within delegated authority through the Regional Credit Committee (RCC) and review transactions for recommendation within this authority.
• Present proposals to the Credit Investment Committee (CIC) and the full board.
• Find innovative credit solutions for CBT clients to ensure risks are adequately assessed, mitigated, and controlled.
• Coordinate RCC, Provincial Credit Committee (PCC), and Pricing Committee meetings, managing processes and adherence to policies.
• Manage and oversee the tasks performed by Credit Analysts and Credit Administrators.
• Communicate effectively with stakeholders within Land Bank to address performance gaps and variances in credit proposals.
• Contribute to the review and improvement of Credit Policies and Procedures to ensure legal and business requirements are met.

Required Experience: Manager

Key Skills: Forecasting, Hyperion, Cost Management, Construction Estimating, QlikView, Bus Driving, Analysis Skills, HubSpot, Salesforce, Market Research, Negotiation, Financial Planning