Manager: Provincial Credit

Mashreq Bank; South Africa; On-site; ZAR 600,000 - 850,000; Full time

Job summary

A leading bank in South Africa is seeking a Senior Credit Manager to evaluate and manage credit risks within the Business Bank's portfolio. The ideal candidate has over 7 years of experience in credit management, including at least 3 years in a senior role. Responsibilities include ensuring the quality of credit risks and aligning them with the bank's risk appetite. This position aims to maximize profits while minimizing bad debts, requiring strong commercial thinking and people management skills.

Qualifications

• Minimum: At least 3 years' experience at Senior Management Level.
• 7 years Credit Management experience, within the Commercial and Business markets.
• Previous supervisory or leadership experience.

Responsibilities

• Evaluate and manage credit risks in Business Bank's portfolio.
• Ensure credit function aligns with the bank's risk appetite.
• Monitor credit and associated risks in a complex portfolio.

Skills

Commercial Thinking Skills

Leadership Skills

Education

Bachelor's Degree in Accounting - Financial Accounting or Credit Management

Job description

We are on the lookout for energetic, self-motivated individuals who share our passion for service in the banking industry.

To be part of the journey, follow the steps below: To see what life at Capitec is all about and complete a short assessment, please click here! Once you have completed the above finalize your application by clicking apply below.

Responsibilities

• Evaluate and manage the credit and associated risks within an allocated portfolio in Business Bank through leading, driving and inspiring a team of Credit and Senior Credit Managers responsible for providing credit support, from origination and assessment, on an intuitive basis, to ongoing risk management.
• Integrate and manage the credit function by ensuring that the quality of credit risks across the regions are aligned to the Bank's risk appetite, which includes minimizing the risk of loss through bad debts, while maximizing profits and applying risk-based pricing, where appropriate.
• Evaluate, manage and monitor the credit and associated risks within a complex and high value portfolio (in addition to the supervision and management of the provincial portfolios).

Experience

• Minimum: At least 3 years' experience at Senior Management Level; 7 years Credit Management experience, within the Commercial and Business markets
• Previous supervisory or leadership experience
• Ideal: 3+ years' experience at Senior Management Level; 7+ years Credit Management experience, within the Commercial and Business markets

Qualifications

• Minimum: Bachelor's Degree in Accounting - Financial Accounting or Credit Management
• Ideal or Preferred: Honours Degree in Accounting - Financial Accounting or Credit Management

Knowledge

• Minimum: Commercial, business and financial principles and practices
• People Management
• Change Management
• Project Management
• Governance and risk management principles
• Business processes, policies and systems
• Application of relevant credit and risk legislation in an organisation (NCA, CPA, Companies Act, Insolvency Act, etc.)
• Impact of regulatory bodies (BASA, SARB, SACCRA, NCR, and FIC) on the functioning of an organisation

Skills

• Commercial Thinking Skills
• Leadership Skills

Conditions of Employment

• Clear criminal and credit record

Capitec is committed to diversity, applications to this position will strictly be considered in support of our employment equity goals. Capitec Bank is an authorised financial services provider (FSP 46669) and registered credit provider (NCRCP13).

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