Credit Manager: Commercial Banking and Transformation (Vryburg )

Landbank . S.A.; Vryburg; On-site; ZAR 600,000 - 900,000; Full time

Job summary

A leading agricultural bank seeks a Credit Manager to oversee credit assessments and manage risk for banking clients. The role involves loan approvals, developing credit solutions, and supervising analysts while ensuring compliance with policies. This position is crucial for supporting sustainable farming initiatives in the region.

Qualifications

• Experience in overseeing credit assessment.
• Ability to manage loan approvals and credit processes.
• Proven skills in stakeholder engagement and compliance.

Responsibilities

• Oversee credit assessment and risk management for Commercial Banking applications.
• Manage the end-to-end credit process for clients.
• Develop innovative credit solutions while ensuring risks are controlled.

Skills

Credit Risk Management

Analytical Skills

Stakeholder Communication

Job description

(Land Bank) is South Africa’s only specialist agricultural bank established in 1912, serving South African commercial and emerging farmers with tailored financial services. These services enable farmers to finance land, equipment, improve assets, and obtain production credit. The Land Bank continually reviews its offerings to meet the evolving needs of the agricultural industry, especially as new entrants from historically disadvantaged backgrounds establish sustainable agri-businesses across the value chain. The bank provides financial products that support the viability of these businesses, which are vital to South Africa's sustainability.

MAIN PURPOSE OF THE JOB

• The Credit Manager oversees credit assessment and risk management for Commercial Banking and Transformation (CBT) applications within their region, focusing on new, existing, and restructured accounts.
• Manage the end-to-end credit process for CBT banking clients to enable sustainable financing for farmers.
• Approve loans and credit limits within delegated authority at the Regional Credit Committee (RCC) and review transactions for recommendation within this mandate.
• Present proposals to the Credit Investment Committee (CIC) and the full board.
• Develop innovative credit solutions for CBT clients to ensure risks are properly assessed, mitigated, and controlled.
• Coordinate RCC, Provincial Credit Committee (PCC), and Pricing Committee meetings, managing processes and adherence to policies.
• Manage and supervise Credit Analysts and Credit Administrators.
• Communicate effectively with stakeholders to address performance gaps and variances in credit proposals.
• Contribute to the review and improvement of Credit Policies and Procedures to meet legal and business requirements.