Deputy Head Credit

2 weeks ago

Durban, KwaZulu-Natal, South Africa Watershed Consulting Full time

Job Description:

SENIOR CREDIT MANAGER - SOUTH AFRICA


This position is responsible for managing the Credit Risk Management function of a niche bank, South Africa under the supervision and guidance of Head of Credit.

Assist Head of Credit in implementation of the credit strategic objectives and delivery of the Bank's objectives. This position will report directly to Head of Credit.

Key Responsibilities:


Key accountabilities include but not limited to ensuring credit quality at the approval stage, monitoring the ongoing credit dynamics of the loan portfolio at a macro and micro level post sanction and the compliance of credit risk with Group Policy and local regulatory guidelines.

The key challenge in this role is to constantly mitigate risks through a combination of routine & pro-active checks on individual credits and the portfolio.

Provide assistance to Head of Credit in fulfilling the following accountabilities and or responsibilities:
Responsible for Credit Applications/ Credit line proposals (CLP) which will entail:
Analyze financial statements and input remarks

Ensure compliance with SARB and NCA requirements

Submit recommendation memo to the credit committee

Preparation of the letter of Facility and Limit Sanction Advice

Oversee the Preparation of Securities including:
On attendance of offer by client, prepare security documents

Registration of mortgage bonds and cessions of short term insurance policy (including fire policy)

Capture securities in HPLUS

Maintain safe custody of security documents

Analyze periodic debtors lists and stock reports

Regular updating of insurance values and property valuations

Legal Accounts:
Attend to legal matters and correspond with attorneys and until recovery

Renewal and Monitoring of Facilities:
Ensure all facilities are renewed annually

Regular monitoring of Excess Over Limits & Temp ODs not timeously settled

Identify and manage high risk clients through to rehabilitation or collections

Identification of non-compliance by clients with regards to the terms and conditions as set out in the finance facility agreement via inter alia monitoring of credit covenants

Provision of monthly reports to the Credit Committee

Credit Risk Reporting

Ensure reporting in alignment with the National Credit Act

Advances classification

Collateral and FAP

Rating reports

Preparation/Collation of reports relating to Local Management meetings and Board meetings

Preparation/Collation of reports relating to internal & external audit as well as attending to ad hoc regulatory requests

Training:
Conduct training interventions relating to credit matters

Client Visits:
Visit selected clients with branch/area managers

Requirements:

Bachelors B Com Degree (majors in accounting and audit), a Post-Graduate Degree and preferably a CA

Minimum of 6-8 years' credit and risk experience within a banking organization.

Relevant International Certification(s) will be an added advantage

Job Competencies:

Approachable and polite, excellent communication skills, attention to detail, providing accurate information, deadline driven and client service orientated, taking initiative and influencing outcomes, ability to coach and mentor.

Sound understanding of the South African market and regulation.

Skills:

Trading, Financial Statements, Visio, Attention To Detail, Compliance, Banking, Excel, Communication Skill, Supervision

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