Credit Manager: Commercial and Development Banking

2 weeks ago

Centurion, South Africa Secondments Recruitment Full time

**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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