Manager: Credit Risk Monitoring

4 days ago

Polokwane, Limpopo, South Africa Fempower Full time

Purpose of the job

The purpose of the job role is to assist, develop, monitor and report on the implementation of the Credit Risk Management Framework which includes credit policies, credit committee governance charters, portfolio monitoring and reporting within the organisation, thereby assisting to maintain credit exposures within approved parameters. The job role will further be responsible for the management and oversight all credit committees in the organisation, highlighting non-compliance in areas to mitigate the risk for non-compliance and suggest solutions to ensure compliance.

Key Performance Areas
1. Assist in developing and refining credit risk management policies and governance charters

  • Reviews and maintains the credit risk limit / prudential limits in line with the to inform the organisation's risk appetite
  • Reviews and maintains the credit policies for alignment to the Basel principles and IRFS 9 requirement for best practise risk management and governance
  • Reviews and maintains the procedure manuals for policy implementation
  • Reviews and maintains the credit risk management framework for best practise risk management and governance
  • Develops new policies required within the credit value chain of the organisation to enhance risk management and governance

2. Portfolio monitoring of all segments

  • Monitors and report business performance in accordance with policies, procedures, legal requirements and against set corporate plan and business targets
  • Monitors and report the renewal / review of credit facilities
  • Manage reclassification of high-risk accounts based on IFRS 9 stage classification
  • Manage and Monitors accounts in breach of covenants and recommend remedial action to be done by PMS
  • Monitors accounts within Workout and Restructuring and/or watch list exposures
  • Monitors and manage actioning of outstanding collateral as per exception reports generated from the CMS
  • Recommends remedial action where there are deficiencies in portfolio management
  • Completes monitoring actions within allocated time frames

3. Credit risk assessment monitoring

  • Attending credit committee meetings
  • Monitors adherence to credit committee charters, DOP, credit policies, processes and procedures
  • Highlights any risks associated with a loan application and propose mitigates to protect the interest of the organisation
  • Monitors adherence to prudential limits for all exposures within the organisation

4. Portfolio reporting

  • Prepares monthly dashboard reports to monitor portfolio trends and performance for EXCO and Board
  • Prepares quarterly reports for CROM, EXCO, CIC and the Board to monitor portfolio trends and performance
  • Validates all content and quality of reports submitted by business units
  • Coordinates CROM activities

5. Manage the Review and Hinde sight of Credit Approvals

  • Develop Review and Hinde sight objectives and report to CRO/EM through line
  • Develop Review and Hinde sight Annual plans for approval by CRO and EXCO which will ensure adherence credit risk management framework, credit policies and procedures as well as appropriate DOP.
  • Ensure timely review reporting
  • Provide advisory service to management on credit policy and processes
  • Develop or review credit policy and processes to remediate gaps identified from hindsight reports .
  • Monitor the loan approval process taking into account the decentralized credit approval mandates across regions or specified region.
  • Give recommendations to management and Board where gaps have been identified to improve the control environment.

6. Conduct research

  • Initiates research through a pro-activity into trends e.g. implementation of best practice in terms of credit granting, norms and standards
  • Receives a request for research, analyse to determine the objectives and outcomes of the research
  • Defines the objectives of the research in accordance with the requirements
  • Ensures compliance of the request to the organisational control systems
  • Determine the research methodology in accordance with the requirements
  • Collects the appropriate data utilising all relevant resources
  • Analysis the data to determine applicability and utilisation
  • Interpret and evaluate the data by means of various analysis techniques and model development
  • Analysis the data and present as required
  • Produces the research paper in accordance with standards and format containing all the relevant information satisfying the objectives and the outcomes of the research
  • Compiles a presentation in accordance with the required format to be utilised in a presentation

Preferred Minimum Education and Experience

  • Relevant 3-year tertiary qualification (B Com or similar)
  • Postgraduate qualification – relevant to Credit Risk
  • 5 years' experience within credit risk management

Critical Competencies

  • Microsoft Office
  • Business Acumen
  • Risk Management Principles
  • Research and Analysis principles
  • Written and verbal communication
  • Credit granting systems / tools
  • Credit granting regulations
  • Additional Requirements
    • Travel as and when required
    • Extended hours as and when required

  • Risk Management Specialist

    4 days ago

    Polokwane, Limpopo, South Africa Fempower Full time

    About FempowerFempower is a leading organization in the field of credit risk management, committed to providing exceptional services to our clients. Our team is dedicated to delivering high-quality results and fostering a culture of excellence.

  • Finance Manager

    3 weeks ago

    Polokwane, Limpopo, South Africa Bonafide Human Capital (Pty) Ltd Full time

    Our passenger dealer client based in Polokwane current holds a vacancy for an experienced Finance Manager. Must have experience in Motor Retail Industry.The role of the Financial Manager in a dealership is multifaceted, encompassing a broad range of tasks that ensure the financial integrity of the dealership. The role puts you in a unique position to...

  • Senior Project Manager

    2 weeks ago

    Polokwane, Limpopo, South Africa TalentCru Full time

    To provide Project Management services in the implementation of the Musina Makhado Special Economic Zone (MMSEZ);The Senior Project Manager will manage the engineering planning; design coordination; procurement; construction monitoring and contract administration of bulk infrastructure and internal services for the development of the Musina-Makhado...

  • Sales Manager

    2 weeks ago

    Polokwane, Limpopo, South Africa The Hiring House Full time

    Key Performance Areas- Grow the Value of New Business- Distribution Management- Efficiency Management- Develop and maintain sales team- Oversee the Regulatory requirements- Manage the Market Conduct requirement- Sales Administration and Reporting obligationsFormal Education- FSCA recognized DegreeTechnical/Legal Certification- Regulatory Examination Level 5:...

  • Project Manager

    2 weeks ago

    Polokwane, Limpopo, South Africa AJ Personnel Full time

    Minimum RequirementsBachelors Degree in Engineering Internal / Industry specific certificationsData Analytics (Excel / Power BI / etc.)Engineering in a mining environmentMinimum 10 years relevant operational experience of which 5 years management experience must be in a mining environmentThis role requires a significant amount of local and international...

  • Hospital Engineering Manager Polokwane

    1 week ago

    Polokwane, Limpopo, South Africa Network Recruitment Full time

    As the Hospital Engineering Manager, you will be responsible for managing the engineering team and ensuring that all mechanical, electrical, plumbing, and other building systems are functioning efficiently and safely. You will work closely with hospital leadership to ensure compliance with healthcare regulations and maintain a safe, reliable, and sustainable...

  • Construction Manager

    3 days ago

    Polokwane, Limpopo, South Africa Ananzi Full time

    Ananzi is an international industry leader within the civil construction sector. We are seeking an experienced and skilled Contract Director to join our team.About the Role: As a key member of our management team, you will be responsible for planning and managing tender preparation for clients and commercial bids. You will also prepare project proposals,...

  • maintenance foreman

    2 weeks ago

    Polokwane, Limpopo, South Africa Oxyon Human Capital Solutions Full time

    Job Overview:The Maintenance Foreman is responsible for overseeing the maintenance and repair of the company's machinery, equipment, and facilities.The Maintenance Foreman is also in charge of managing the maintenance team, ensuring compliance with security, safety, health, environmental standards, and maintaining inventory of spare parts and tools.The...

  • Project Coordinator

    3 weeks ago

    Polokwane, Limpopo, South Africa Fempower Full time

    A global leader in testing, inspection, and certification (TIC) services is seeking an experienced Solar Project Coordinator to support the construction of a large-scale solar PV power plant in Polokwane, Limpopo. Duration of Contract: 6 monthsRequirements:3+ years of project administration experience in construction, energy, or infrastructure projectStrong...

  • Project Coordinator

    4 days ago

    Polokwane, Limpopo, South Africa Fempower Full time

    A global leader in testing, inspection, and certification (TIC) services is seeking an experienced Solar Project Coordinator to support the construction of a large-scale solar PV power plant in Polokwane, Limpopo. Duration of Contract: 6 monthsRequirements:3+ years of project administration experience in construction, energy, or infrastructure projectStrong...

  • Director: Wildlife Resources Management

    2 weeks ago

    Polokwane, Limpopo, South Africa Limpopo Department of Economic Development, Environment and Tourism Full time

    Job title : Director: Wildlife Resources ManagementJob Location : Limpopo, PolokwaneDeadline : March 18, 2025Quick Recommended LinksJobs by Location Job by industries REQUIREMENTS :An undergraduate qualification (NQF 7) in Nature Conservation / Environmental Management / Environmental Sciences / Biodiversity Management as recognized by SAQA. Five (5)...

  • Steel Warehouse Manager

    3 weeks ago

    Polokwane, Limpopo, South Africa Omega Human Capital Full time

    Job Opportunity: Warehouse Manager in the Steel IndustryAre you a skilled and dedicated individual with a passion for the steel industry? My client is seeking a Warehouse Manager to join their dynamic team. As a Warehouse Manager, you will oversee various critical operations within their steel warehouse environment, ensuring efficiency, accuracy, and...

  • Steel Warehouse Manager

    2 weeks ago

    Polokwane, Limpopo, South Africa Omega Human Capital Full time

    Job Opportunity: Warehouse Manager in the Steel Industry Are you a skilled and dedicated individual with a passion for the steel industry? My client is seeking a Warehouse Manager to join their dynamic team. As a Warehouse Manager, you will oversee various critical operations within their steel warehouse environment, ensuring efficiency, accuracy, and...

  • Assistant Store Manager

    3 days ago

    Polokwane, Limpopo, South Africa Cash Crusaders Full time

    Why Choose Pepkor Lifestyle: Build a Thriving Career at the Forefront of Retail?Ready to join a dynamic team and make a lasting impact? Join Pepkor Lifestyle as a Service Centre Administrator within the HiFi Corp brand and step into a rewarding career that empowers you to drive results, unlock your potential, and make a difference.Here's What Sets Pepkor...

  • lecturer - higher certificate in architectural technology (architecture) (part time)

    18 hours ago

    Polokwane, Limpopo, South Africa IIE Rosebank College Part time

    LECTURER (PART TIME)Rosebank College, the Independent Institute of Education (The IIE) is one of the leading private higher education institutions in the country registered with the Department of Higher Education and Training. For over 70 years IIE Rosebank College has delivered quality tertiary education to students across South Africa. Situated in bustling...

  • Warehouse Manager Supervisor

    2 days ago

    Polokwane, Limpopo, South Africa Csg Talent Full time

    We are looking for a seasoned Payment Expert to lead our Payments team at Dante Personnel. As a key contributor to our leadership team, you will be responsible for developing and delivering our payments product strategy, ensuring it aligns with our overall business goals.The ideal candidate will have a deep understanding of the payments ecosystem, including...

  • Regional Financial Manager

    4 weeks ago

    Polokwane, Limpopo, South Africa FNB Namibia Full time

    Regional Financial Manager page is loadedRegional Financial ManagerApply locations Polokwane time type Full time posted on Posted 2 Days Ago time left to apply End Date: March 4, 2025 (7 days left to apply) job requisition id R29498Job DescriptionTo partner with the business in the provision of financial advice and support to increase operational quality,...

  • Regional Financial Manager

    4 weeks ago

    Polokwane, Limpopo, South Africa RMB Full time

    Regional Financial ManagerApply locations Polokwane time type Full time posted on Posted 2 Days Ago time left to apply End Date: March 4, 2025 (7 days left to apply) job requisition id R29498Job DescriptionTo partner with the business in the provision of financial advice and support to increase operational quality, through the execution of financial services...

  • Medical Practice Manager

    7 days ago

    Polokwane, Limpopo, South Africa Immploy Full time

    Evaluate and manage work activities of all admins, nursing, cleaning, gardener and Patient Care Consultant staff. Assist, support and guide Team Leaders. Maintain computerized record management systems (medical software) to store and process data such as patient information. Daily banking, statistics and reports.Assist in establishing work schedules, tasks...

  • Kitchen Manager

    1 week ago

    Polokwane, Limpopo, South Africa Bright Placements Full time

    Key Responsibilities: Operational Management: Oversee all aspects of kitchen operations, including inventory, ordering, scheduling, and workflow to ensure efficiency and quality. Menu Execution: Collaborate with the Head Chef to ensure consistent preparation and presentation of all menu items. Cost Control: Manage food costs and budgets effectively by...