Manager: Credit Risk Portfolio Management

3 days ago


Sandton, South Africa Palesa Mbali Group Full time

The MANAGER CREDIT RISK PORTFOLIO MANAGEMENT is responsible for reviewing a designated portfolio of clients with the view to reduce the group impairment charge and rehabilitate clients in line with the turnaround strategy.

This role provides exposure in:

- Reviewing overdraft facilities
- Attending to dormant accounts
- Servicing individual, business and cross border clients

Key activities include:

- Give an overview of the book by preparing portfolio review presentations based on Management Information Systems (MIS).
- Build strong relationships with Relationship Manager counterparts to achieve reduction in impairment charge for the segment while maintaining strong client relations.
- Implement sound credit risk management for complex collections.
- Develop client exit or rehabilitation strategies by conducting annual review of client facilities.
- Manage default accounts timeously by obtaining acceptable repayment arrangements or handover portfolio to legal collections
- Approve funding by making decisions based on the credit risk policy guideline and credit norms

Qualifications and Experience:

- Relevant National Degree or Advanced Diploma
- 5 years experience in banking credit risk or credit assessment environment.
- Exposure to multiple products e.g. Home Loans, Vehicle Finance, Personal Loans and Current Account

This role will suit a Credit risk or Collections professional who is technically sound in credit risk assessment, collections and retail bank products for the middle income market. A professional who is able to engage with professional level customers will make a good impression on the interview panel.



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