Credit Manager: Commercial and Development Banking
3 weeks ago
**Job Advert Summary**:
Manage the end to end credit process of Commercial Development and Business Banking clients in order to enable the company to provide sustainable financing to Commercial Development and Business Banking farmers.
Collectively approve loans and credit limits under delegated authority within the Commercial Credit Committee (CCC) structure and review transactions for recommendation within delegated authority mandate.
Find innovative credit solutions for Commercial Development and Business Banking clients in order to ensure that credit risks in this target market are adequately assessed, mitigated and controlled.
Co-ordinate Commercial Credit Committee (CCC), Credit Adjudication Committee (CAC) and Pricing Committee meetings; manage committee processes and policies, and act as an information and reference point for the Chairman and other committee members.
**Minimum Requirements**:
Preferred Minimum Education and Experience
A relevant 3 year qualification (Degree/Diploma e.g. BCom or BTech)
BSc Agriculture degree could be considered with relevant commercial experience
5- 8 years Credit management experience which includes:
Exposure in the primary or secondary agriculture environment.
Credit assessment for new, existing exposure and NPL customers.
Knowledge of NCA, POPIA and Company Act is added advantage.
Strong Financial and Credit Analysis skills
Exposure in Development finance is added advantage.
Structured trade and commodity finance
Critical Competencies
Advanced Microsoft Office
Primary Agriculture Credit Assessment
Advanced knowledge of risk management principles
Knowledge / Experience of compliance systems / tools
Compliance Management Principles
Knowledge of Compliance related legislation
Knowledge of Business and Law Principles
Additional Requirements
Travel when required
Work extended hours when required
Credit Analytical Skills
Excellent communication skills both oral and written
Ability to handle stress
Good interpersonal, conflict resolution and negotiations skills
**Duties and Responsibilities**:
Key Performance Areas
1. Quality Credit Assessment and Credit Risk Management
Assess business and financial risk by analysing financial statements of applicants
Identify any deviation from the Account Management Policy and take remedial action.
Monitor and review emerging issues in the re-advanced loans and take decisions thereon or make recommendations
2. Collective mandate to approve loans and credit limits under delegated authority
Attendance credit committee as directed by the relevant charters.
Throughly prepare for meeting and present recommended matters.
3. Manage and perform the duty of the Committee Secretariat (CAC, CCC and Pricing Committee)
Co-ordinate credit related Credit Committee meetings with the assistance of the Credit Administrator and ensure compliance to the relevant charters.
Ensure decision are communicated to the front line within 24 hours of the decision being made in the relevant form accurately, any declaration of interests made by members and the decision made by the Chairperson with regards to recusal and participation on the matter that was deliberated;
Ensure Decision forms are signed within 24 hours of a meeting being held;
4. Credit Policies and Procedures
Ensure that the quality and management of the credit portfolio being considered is in accordance with the Credit policies and procedures of the Bank
Ensure that policies and procedures are in place to manage and control credit risk within the company;
Follow up on suggested corrective actions and submit memos for approval to the relevant Credit Committee
5. Stakeholder Management
Compile relevant training materials and provide training and guidance to the relevant stakeholders on credit related matters
Manage and respond to all allocated queries
Responsible to build and maintain relationships within the allocated region
Responsible to manage and provide technical support to Provincial Offices in respect of credit tools.
Responsible to promote a culture of credit risk management with all the relevant stakeholders by optimising and streamlining commercial credit approval work processes to promote efficient turnaround
6. Governance, recording keeping and reporting
Initiate corrective action based on audit findings and monitor progress and improvements
Ensure that the relevant management information is captured on SAP so as to prioritize risks
Ensure that risk controls are in place and control shortcoming
7. People Management
Performance Management
Analyse the business plan to determine the applicable deliverables and targets
Conduct performance planning session and Track and monitor performance in accordance with performance contracts
Conduct performance reviews in accordance with policies and procedures and take corrective actions where necessary
Provide coaching and feedback to employees on how to improve and sustain their performance
Capac
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