Senior Credit Manager - Agricultural

Network Recruitment; Bloemfontein; On-site; ZAR 600,000 - 900,000; Full time

Job summary

A leading financial services company is looking for a Manager: Credit Evaluations to enhance credit decision-making processes across a variety of lending products. This pivotal role requires extensive credit risk expertise, the ability to conduct thorough financial analyses, and strong mentoring skills. Ideal candidates will hold a BCom degree with a solid background in credit evaluation as well as proficiency in regulatory frameworks.

Qualifications

• 5–7 years’ experience in business credit evaluation within banking or agricultural sectors.
• Proficiency in interpreting financial statements.
• Strong command of the National Credit Act.

Responsibilities

• Evaluate and approve business credit applications.
• Conduct detailed financial analyses and cash flow forecasting.
• Mentor junior team members.

Skills

Analytical decision-making

Relationship-building

Effective communication

Process improvement

Education

BCom degree in Finance, Accounting, or related field

Job description

Manager Credit Evaluations

Are you a strategic thinker with deep credit risk expertise and a passion for responsible lending?

We’re looking for a Manager: Credit Evaluations to play a pivotal role in credit decision-making, portfolio risk management, and client partnership across a diverse suite of lending products, including business, trade, agriculture, and commercial finance.

Key Responsibilities:

• Evaluate and approve business credit applications using sound financial principles and regulatory frameworks.
• Conduct detailed financial analyses, cash flow forecasting, and affordability assessments.
• Partner with business teams to identify growth opportunities aligned with risk appetite.
• Attend client visits (virtual or in-person) to gain deep insights into business operations and funding needs.
• Define facility conditions and mitigate risk through appropriate structuring.
• Guide and mentor junior team members and support cross-skilling.
• Provide proactive, expert credit advice to internal stakeholders.

You’ll Need:

• A BCom degree in Finance, Accounting, or related field.
• 5–7 years’ experience in business credit evaluation within banking or agricultural sectors.
• Proficiency in interpreting financial statements, understanding collateral structures, and knowledge of legalities in credit lending.
• Strong command of the National Credit Act and other relevant regulatory frameworks.

Core Competencies:

• Analytical decision-making and financial insight
• Relationship-building with cross-functional teams and clients
• Effective communication and documentation
• Upholding governance and credit principles under pressure
• Proactive, process-improvement mindset