SME Lending Specialist

1 week ago


Midrand, Gauteng, South Africa Kontak Recruitment Full time
About the Role

We are seeking a highly skilled Credit Risk Manager to join our dynamic team at Kontak Recruitment. As a Credit Risk Manager, you will play a critical role in providing innovative financial solutions to small and medium-sized enterprises (SMEs).

Key Responsibilities
  • Implement loan origination strategies with the lending team to ensure effective credit decision-making.
  • Review and recommend credit applications within assigned credit limits, providing independent and objective reviews and recommendations.
  • Ensure due diligence and adherence to company policies before submitting loan applications to senior management.
  • Write clear and concise credit memos or announcements to communicate credit perspectives.
  • Collaborate with Loan Officers to gather necessary information and ensure proper deal structuring.
  • Monitor loans post-disbursement to ensure compliance with guidelines.
  • Oversee and implement timely collection activities to minimize bad debts.
  • Prepare regular reports on lending activities for senior management, including weekly, monthly, quarterly, semi-annual, and annual reports.
  • Generate reports for the Board and external stakeholders as required.
Requirements
  • Bachelor's Degree or Diploma in Business or a related field.
  • 3 or more years of experience in SME lending.
  • Experience in additional SME support services is a plus.
  • Strong credit judgment and the ability to articulate complex credit applications.
  • Proficiency in financial statement analysis and SME lending practices.
  • Experience with lending software is preferred.
What We Offer

As a Credit Risk Manager at Kontak Recruitment, you will have the opportunity to work with a dynamic team focused on providing innovative financial solutions to SMEs. You will be responsible for making informed credit decisions, maintaining strong stakeholder relationships, and adapting to market and regulatory changes.

We are an equal opportunities employer and welcome applications from all backgrounds. We offer a fair process, with only shortlisted candidates contacted due to volume. We safeguard applicant information and ensure that candidates selected by the client are verified.


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