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Credit Manager

3 months ago


Midrand, South Africa Adzuna ZA B C2 Full time
Our client is currently seeking a Credit Manager to join their finance team in Midrand. They are looking for a Credit Manager to run the lending operations of our growing business. You will be responsible for strategic planning and managing the debtors team, which provide services across the group.

Duties:
  • Weekly, monthly, quarterly, semi-annually and annual reporting to senior management on lending activities
  • Prepare reports for Board and external stakeholders
  • Implement loan origination strategies with lending team
  • Review and recommend credit applications and transactions within assigned credit limits in a timely manner
  • Review approval letters and loan agreements to ensure credit terms and conditions are recorded
  • Review and recommend disbursements according to policies and guidelines to ensure lending conditions are met
  • Support the healthy and sustainable growth of a profitable loan portfolio by ensuring the credit granting and implementation is within the companys prescribed asset quality standards
  • Maintain records of loan applications
  • Support Loan Officers to ensure client and other stakeholder satisfaction
  • Respond to and resolve escalated issues raised by the Loan Officers
  • Contribute to the development and implementation of sound SME lending guidelines and policies

Qualifications & Experience:
  • Bachelors Degree or diploma in business or a related field
  • Minimum 5 years SME lending experience is required
  • Additional SME support services experience is considered advantageous
  • Strong communication and leadership skills
  • Understanding of commitment letters and other legal documents from a credit perspective
  • Financial Statement analysis experience
  • Sound credit judgement and to come up with well thought-out solutions to mitigate credit risk
  • Understanding of SME lending practices and end-to-end credit process
  • Analytical skills and attention to details