Jobs in Bloemfontein, United States

Reference : JHB006427-MM1-1

Our client, one of the biggest banks in South Africa, is a firm believer in technical innovation and leading-edge financial solutions. They are urgently looking for a Manager : Credit Evaluations Agric to assess and evaluate lending applications for clients using sound credit risk and affordability assessments, financial principles, and credit policies. This role supports the bank's asset book growth and manages credit losses by ensuring lending aligns with the bank's risk appetite parameters.

This position covers the spectrum of lending products available to business segment clients, including specialized lending, trade finance, debtors finance, commercial property finance, agriculture (in particular), and others depending on the client and segment within which the manager operates.

In order to be considered, the following is required:

• BComm in Finance and Accounting
• 5-7 years of experience in intuitive credit assessment and decisioning in relevant segments and products (e.g., business banking or Agri). Thorough knowledge and understanding of financial statements
• Knowledge of repayment structures, collateral, and collection processes within banking. Understanding of legalities associated with lending and collateral
• Knowledge of credit and strategy business rules and processes to identify exclusions where applicable. Understanding of the National Credit Act
• Knowledge regarding collateral, how it is affected and released, and the value assigned to different collateral types from a credit perspective. Understanding of Deeds Office processes
• Understanding of loan granting processes, including credit checks, credit scorecards, affordability criteria, and repayment terms and conditions

• Obtain and assess client and financial information, including cash flows and forecasts, to understand current debt levels and repayment requirements across different products and banks
• Make prudent credit decisions on lending applications and authority requests within relevant product policies and regulatory requirements such as the National Credit Act
• Determine the best lending solutions for clients and the bank
• Proactively identify opportunities for asset growth aligned with ecosystem philosophy and sound credit risk principles. Adhere to Before Sunset service to ensure excellent client experience
• Attend client visits to understand clients and their businesses, either in person or virtually
• Set conditions for facilities, considering credit risk policies and processes
• Ensure credit risk is identified and managed properly during initial assessment and ongoing exposure management
• Support the credit risk team as needed to ensure performance
• Identify opportunities to improve processes and systems for better risk management and efficiency
• Assist with training new staff and cross-skilling existing staff
• Provide credit guidance and advice to the business, sharing knowledge and coaching to improve credit risk understanding and quality
• Build and maintain relationships within the credit team and with business stakeholders
• Act as a partner to unlock ecosystem and client opportunities to support asset growth within responsible credit risk management and risk appetite
• Ensure stakeholder satisfaction with service levels and participate in team and ecosystem meetings

If you wish to email your CV directly, please send it to [email address].

Information displayed above is not limited to this advertisement.

Please consider your application unsuccessful if you do not receive a response within 14 days. Keep an eye on our website for other available positions suited to you.

Employment Type: Full-Time

Vacancy: 1