Credit Manager jobs in South Africa

Commercial legal position.

Consults with internal business units and external clients.

Provision of business orientated legal solutions.

Provision of accurate expert and specialist legal advice to all divisions and business units within credit.

Preparation of legal agreements and collateral (research negotiation and drafting thereof) including but not limited to confidentiality, risk sharing loan (both short term and long term), sale of book debts, and guarantee agreements as well as heads of agreement, memoranda of understanding, term sheets, property finance, and other credit relation legal documentation.

Ability to draft agreements, collateral, and other credit legal documentation without reliance on a precedent.

Legal risk management pertaining to legal credit issues within all the applicable credit departments and business units within the bank.

Representation on Industry Bodies and Forums.

NCA and CPA interpretation.

Identification of legal problems interpreting and evaluating legal information.

Knowledge of and experience in complex commercial transactions.

Competencies:

1. Problem solving, planning, and decision making.
2. The ability to identify and understand the business needs and strategies.
3. The need to identify long term risk exposures to support the business effort in managing and minimizing potential risk.
4. The job requires the incumbent to be able to handle authority expediently, be orientated towards immediate accomplishments, and to be a firm decision-maker.
5. Needs to be innovative and pragmatic.
6. Outcomes based structured approach.

Knowledge and experience:

Appropriate legal qualification (BA / BCom LLB / BProc LLB).

Admitted as an Attorney.

Experience:

Preferably an understanding of the business principles and processes within a retail and business banking environment including the legal environment in which a general commercial bank operates.

Extensive commercial law and commercial drafting experience as set out above.

Computer literate.

5 - 10 years post qualification experience in a similar environment.

Personal competencies:

1. Leadership: Enthuses others and facilitates successful goal accomplishment by promoting a clear sense of purpose, inspiring a positive attitude to work, and arousing a strong desire to succeed among team members.
2. Highest form of integrity and trustworthiness.
3. Resilient and able to function in a highly dynamic environment.
4. Strong leadership abilities to balance task and people orientation.
5. Strong negotiating and relationship building skills.

Dynamism:

1. Independent and self-reliant; conveys a realistic confidence in own ability to select appropriate courses of action and in likely success of own initiatives; able to stand ground in face of opposition.
2. Exacting; considers all the facts, options, and outcomes prior to making decisions.

Business Awareness:

1. Skilled in identifying legal problems interpreting and evaluating legal information.
2. Specialist knowledge about legal matters affecting the credit division.
3. Has knowledge and experience of complex commercial transactions including the drafting of related contracts/loan documentation pertaining to financing transactions in the retail and business banking environment.
4. Ability to understand the business units needs.
5. Good organisational skills.
6. Has relevant business and banking knowledge.
7. Strategic thinker.
8. Analytical and strategic thinking abilities.

Interpersonal:

1. Able to establish and maintain professional relationships with people at all levels including internal business units and external clients; puts others at ease; promotes harmony and consensus through diplomatic handling of disagreements and potential conflict.
2. Remains calm, objective, and in control in stressful situations; maintains a stable performance under pressure; accepts criticism without becoming overdefensive.
3. Able to work independently and interacts well with team members.
4. Able to work well under pressure.
5. Able to mentor and develop existing staff.

Customer service oriented:

1. Be able to handle and mediate conflict, stand by principles, and put forward ideas despite objection.
2. Willingness to work extended hours.
3. Displays respect for leadership.

Analytical:

1. Able to do advanced research and seek all possible relevant information for problem solving and decision making; consults widely, probes the facts, analyses issues from different perspectives.
2. Pays attention to detail to ensure quality standards are adhered to at all times.
3. Demonstrates detailed and specialist knowledge in relation to credit legal matters and ability to provide answers and solutions timeously.
4. Demonstrates sound written and oral communication skills.

Operational:

1. Committed to the achievement and maintenance of quality; sets high standards of performance for self and others.
2. Concerned to provide a prompt, efficient, and personalised service to business units; goes out of way to ensure that individual client needs are met.

Kindly Email all applicant CVs in MS WORD format to or

PLEASE NOTE: We read all the CVs that are sent to us. Due to a high volume of CVs received, our response time might be delayed, but please just bear with us.

IF HOWEVER YOU HAVE NOT HEARD FROM US WITHIN TWO WEEKS, PLEASE CONSIDER YOUR APPLICATION UNSUCCESSFUL.

Required Experience:

Manager

Key Skills:

EAM, Food Technology, AC Maintenance, Corrosion, Arabic Cuisine.

Employment Type: Full Time

Experience: years

Vacancy: 1