Manager: Credit Risk

3 weeks ago


Sandton, South Africa Palesa Mbali Group Full time

The **Manager Credit Risk (Credit Collections)** is responsible for reviewing a designated portfolio of Business Banking clients with the view to reduce the group impairment charge and rehabilitate clients in line with the Business or individual turnaround strategy.

This role provides exposure in:

- Managing a portfolio of businesses in distress
- Portfolio includes a range of business sizes & industries across the Gauteng region
- Monthly visits to the clients' business
- Monthly and annual analysis of the business financials

**Key Activities**:

- Manage default accounts timeously by obtaining acceptable repayment arrangements or handover portfolio to legal collections
- Enhance processes by constantly seeking innovative improvements to the credit systems
- Ensure clean audit in area of responsibility by enforcing adherence to bank policies and industry regulations
- Implement sound credit risk management by providing advice on specialized credit risk matters to cross functional teams
- Approve funding by making decisions based on the credit risk policy guideline and the analysis based on the information provided
- Develop client exit or rehabilitation strategies by conducting inter-alia review of client facilities

**Qualifications and Experience**:

- Relevant National Degree or Diploma
- 3 years' in Banking within a Credit environment
- Exposure to multiple products: e.g. home loans, asset finance, vehicle finance or other forms of term loans.
- Financial accounting principles
- Valid drivers licence

This role will suit a Credit risk or Collections junior professional who is technically sound in credit risk assessment, collections and multiple bank products, interested in a role that offers great potential for growth.



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