Junior Credit Manager

3 weeks ago


Sandton, South Africa Adzuna ZA B C2 Full time
Duties:
  • Classifying commercial vehicle dealers based on business scale and risk status.
  • Implementing tailored marketing strategies.
  • Identifying and mitigating customer risks during contract signings or visits.
  • Conducting prompt asset preservation activities for overdue loans.
  • Analyzing financial reports of corporate customers and assessing repayment ability, profitability, and operational capability.
  • Identifying potential risks in commercial vehicle customers' operation industries.
  • Conducting detailed credit analysis covering financial, operational, collateral, shareholder, and industry aspects.
  • Preparing credit papers for client facility adjustments and covenant breaches.
  • Presenting requests to the board and Group credit committees.
  • Engaging continuously with clients for monitoring, identifying credit stress, and assisting in recoveries while ensuring compliance and collaborating with stakeholders to manage credit risk effectively.
  • Ensure compliance with rules and regulations of commercial vehicle retail business.
  • Stay updated on national macroeconomic and financial environments and trends in the automotive financial industry.
  • Familiarity with the Group's commercial vehicle products, local network layout, and operational model of commercial vehicle dealers and fleets.
Requirements:
  • NCA certification advantageous
  • Bachelor of Commerce degree in Finance, Accounting (Mandatory)
  • 3+ years of lending or credit experience required
  • Sound credit analysis experience required
  • Commercial legal knowledge preferred
  • Proficiency in Microsoft Word, Excel, PowerPoint, and other common office software.

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