Credit Manager/Officer

Aleon Pty Ltd; Johannesburg; On-site; ZAR 500,000 - 700,000; Full time

Job summary

A leading financial services company in Johannesburg seeks an experienced professional to manage credit assessments and ensure customer satisfaction. The role involves reviewing and approving credit proposals, meeting loan applicants, and compiling necessary financial information. The ideal candidate must possess strong communication and interpersonal skills, along with a degree in Commerce of Finance and 6-8 years of relevant experience. This position offers a dynamic work environment with opportunities for career growth.

Qualifications

• 6-8 years of overall experience in credit assessment and management.
• Strong understanding of retail finance is essential.
• Ability to handle customer complaints effectively.

Responsibilities

• Review and approve commercial credit proposals.
• Meet applicants for loan applications.
• Compile loan applicants' credit histories and financial information.
• Ensure completeness and accuracy of loan agreements.
• Market financial products to potential customers.

Skills

Credit management exposure

Excellent communication skills

Interpersonal skills

Presentation skills

Relationship building

Education

Commerce of Finance Graduate

Job description

Key Responsibilities

• Responsible for the review and approval of commercial credit proposals, Credit assessment and credit worthiness of the customer.
• Meet with applicants to obtain information for loan applications and to answer questions about the process.
• Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
• File Verification in terms of established credit guidelines, process and approval, maintain a good balance between returns and risks exposure.
• Review loan agreements to ensure that they are complete and accurate according to policy.
• Stay abreast of new types of loans and other financial services and products in order to better meet customers' needs.
• Handle customer complaints and take appropriate action to resolve them.
• Market financial products to individuals and firms, promoting AFCL services that may meet customers' needs.
• Updating and submitting monthly data to credit bureau as per banking regulations, updating and preparing daily reports.
• Ensure all regular monthly reporting is generated for management review.

Desired Profile

• Must have Credit management exposure.
• Must have excellent communication and inter-personal skills.
• Understanding of retail finance.

Educational Qualifications

• Commerce of Finance Graduate.

Relevant years of Experience

• Between 6-8 years of experience (Overall).

Competencies

• Relationship building.
• Communication & Interpersonal skills.
• Presentation skills.
• Credit management.

Industry Preference

• Banks.