Manager - Credit Risk

2 weeks ago


Johannesburg, South Africa Jelocorp Full time

**Main purpose of the Job**:
To carry out comprehensive credit risk management for the branch

**Duties & Responsibilities**:

- Administer the Drawdown Centre process and procedure
- Ensure the above complied with internal policies and procedure manuals
- **_Ensure policy compliance_**
- _Monitor counterparty and industry concentration risk_
- _Monitor credit limit expiry and credit limit renewal_
- _Monitor the monthly post lending reporting and issue risk review opinion_
- _Monitor annual review of loans and advances_
- _Monitor internal credit rating validity and credit rating renewal_
- **_On-going post lending monitoring_**
- _Identify and evaluate significant increases in credit risk_
- _Measure the impact of adverse news, ESG risk, RAD triggers on assets / counterparties_
- _Trigger loan / asset risk classifications reviews_
- _Make risk-based recommendations for the various committee_
- Cooperate and collaborate with Front Office Departments to obtain condonations for breaches of any policy requirements
- Maintain the credit limit and credit rating expiry monitoring tool
- Maintain the annual post lending monitoring tool and ensure annual reports are completed
- Take responsibility for reminding Front Office Departments to follow up on exposures in excess
- Cooperate and collaborate with Front Office Departments on roll-overs of interest period on loans and advances are conducted
- Receive meeting requests from Front Office Departments
- Confirm meeting date with the Chairperson and circulate meeting documents in line with the ToR's
- Draft meeting minutes
- Maintaining meeting records and related documents

**Requirements**:

- BCom Degree in Finance, Economics or related field (Essential)
- Post Graduate qualification in Finance (Desirable)
- 2-3 Years Banking/Financial Services (Essential)
- 2-3 Years Credit/Business Analyses (Essential)
- Analysis of financial statements (Essential)
- Compile credit assessment reports (Essential)
- General understanding of the function of a bank (Essential)
- Regulations relating to Banks (Desirable)
- MS Office (Excel, Word and PowerPoint)
- Analytical and attention to detail
- Communication
- Time Management


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