Credit Manager / Officer

Express Employment Professionals; Johannesburg; On-site; ZAR 500,000 - 700,000; Full time

Job summary

A leading recruitment agency in Johannesburg is looking for a Credit Manager. The role involves approving credit proposals, assessing creditworthiness, and handling customer inquiries. Candidates must have a Commerce of Finance degree and 6-8 years of experience in credit management. Excellent communication and relationship-building skills are essential for this position.

Qualifications

• Must have between 6-8 years of overall experience.

Responsibilities

• Review and approve commercial credit proposals.
• Meet with applicants to obtain loan application information.
• Obtain and compile loan applicants' credit histories.

Skills

Credit management exposure

Communication skills

Interpersonal skills

Understanding of retail finance

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.