Credit Manager/Officer

Express Employment Professionals; Johannesburg; On-site; ZAR 400,000 - 600,000; Full time

Job summary

Express Employment Professionals in Johannesburg is seeking a candidate with credit management experience to handle commercial credit proposals. The role involves reviewing financial data, meeting with applicants, and ensuring compliance with banking regulations.

The ideal candidate should be a Commerce or Finance Graduate with 6-8 years of experience. Strong communication and relationship-building skills are essential for this position.

Qualifications

• Must have Credit management exposure.
• Understanding of retail finance.
• Between 6-8 years of experience overall.

Responsibilities

• Review and approve commercial credit proposals.
• Meet applicants to obtain loan application information.
• Obtain and compile applicants' credit histories.
• Ensure accurate loan agreements according to policy.
• Market financial products to meet customers' needs.
• Handle customer complaints effectively.

Skills

Communication skills

Interpersonal skills

Relationship building

Presentation skills

Credit management

Education

Commerce or 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 or 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.