Credit Manager

1 week ago

Johannesburg, South Africa Tower Group Full time

Our Client based in Midrand is looking for a mature outgoing individual who is well-groomed / highly presentable, well organised with high attention to detail, positive, self-driven and willing to go the extra mile.

**KEY RESPONSIBILITIES**:

- Maintain a department organisational structure sufficient to meet all goals and objectives
- Responsible for full Debtors Book and Accounts Receivable Department (Midrand)
- Responsible for the full function of Credit Vetting Department
- Manage, train, up-skill, motivate, retain and recruit staff
- Measure department performance with appropriate metrics
- Provide ongoing training of the Credit Vetting Team and Credit Controllers
- Manage relations with Credit Agencies (CGIC / LCM / SDC)
- Manage a team of twelve (12) direct reports
- Ensure that the Company’s Credit Policies are being implemented and adhered to
- Meet set deliverables
- Ensure that reviews and requests are dealt with timeously.
- Identify, draft, develop and implement operational processes, policies and guidelines
- Analyse and review the performance of existing clients
- Recommend changes in the Credit Policy to ensure compliance with NCA or other related Acts requirements and aligning with requirements of Group Internal Auditors
- Devise risk management strategies in conjunction with the National Credit Manager
- Monitor the credit granting and updating process
- Accept or reject the staff's credit recommendations of new and existing clients
- Keep abreast of best practice methods and trends and recommend to National Credit Manager
- Monthly meetings with Credit Controller and Cost Centre Heads to review Debtors Book
- Monthly Book review with EXCO
- Signing off and approval of credit notes and journals
- Daily / Weekly / Monthly forecast of collections
- Preparing collateral documents, i.e. Personal Surety, Cession of Book Debts, and Cession of Order / Payment
- Regular interaction with attorneys on all legal matters and handovers
- Ensuring that credit limits on all term accounts are in line with the credit limit granted by CGIC
- Reconciling and preparing all payments due to attorneys and CGIC relating to accounts handed over to legal
- Negotiating with clients for early / timely payment of accounts
- Conflict resolution with both internal customers and external customers
- Ensure that customer related queries are effectively dealt with and resolved timeously
- Compilation and submission of Weekly / Monthly / Quarterly reports as required by management
- Assisting with the month-end processes
- Assisting with internal and external auditors on a quarterly / yearly basis
- Regular communication with industry players
- Regular evaluation of team against KPAs and align team with empirical goals and business strategy
- Delegate, coach and mentor team members
- Interface with sales team to communicate credit decisions and ensure timely review of new customers
- Make credit decisions within assigned authority

**REQUIREMENTS**:

- Matric with mathematics is essential and relevant Credit Risk Management Diploma or Degree
- Understanding of the National Credit Act or other related Acts
- A minimum of ten (10) years’ experience in a Credit Management position or similar role
- High level of Excel knowledge and skills (Pivot / VLOOKUP, etc.)
- Own transport and valid driver’s license
- Vaccination Certificate Required
- Good time management and well organized i.e. deadline driven, able to plan and prioritise a high workload
- Above average computer literacy in MS Word, MS Excel, MS Outlook and MS PowerPoint
- Service quality orientated
- Customer focused
- Copes effortlessly within a high stress and pressurised environment
- Excellent communication, writing and people skills
- Willing to go the extra mile and succeed
- Technology driven
- Basic calculations (Ability to work with numbers)
- Self-actualisation (Capacity to assert oneself)
- Motivation (Ability to motivate others)
- Negotiation (In a spirit of co-operation with the aim of an amicable outcome)
- Tact (Courteous, diplomatic, respectful manner)
- Excellence orientation (Set and achieve high standards and ongoing improvement)
- Feedback (Provide positive, helpful and productive feedback)
- Liaison (Establish effective personal contact / channel for Communication between parties)
- Written and verbal communication (Convey information through written / verbal instruction)
- Evaluating (Ask questions, analyse, give attention to, and attend to detail)

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