Credit Manager

TWK Agri has the following vacancy available: Credit Manager within the Financial Services division at Piet Retief, Mpumalanga.

TWK Agri, a leading player in the agricultural sector, is seeking a Senior Credit Manager to join our Financial Services Division at our Head Office in Piet Retief. We are looking for an experienced professional to lead our credit relationship team, drive credit growth, and safeguard the company’s financial interests while nurturing client relationships.

**Job Summary**:
Reporting directly to the Head of Credit, the Senior Credit Manager will be responsible for overseeing credit risk management, driving sales growth, and managing a team of Credit Relationship Managers. This role requires a deep understanding of credit principles, exceptional leadership, and the ability to manage complex issues under pressure.

**Responsibilities and Duties**:

- ** Leadership & Team Management**:
Lead and mentor the Credit Relationship Management team, ensuring they meet strategic objectives and excel in performance
- ** Credit & Risk Management**:
Evaluate and manage credit risks across the portfolio. Oversee the entire credit approval process, ensuring adherence to company policies and driving down non-performing loans
- ** Client Relationship Management & Sales Growth**:
Collaborate with sales teams to create tailored credit solutions. Foster and maintain positive client relationships to enhance cross-selling and upselling opportunities
- ** Debt Management & Recovery**:
Develop and implement strategies to reduce bad debt. Recommend debt restructuring or account handover while preserving customer relationships and adhering to regulatory requirements
- ** Policy & Process Development**:
Lead the review, development, and implementation of credit policies and processes. Ensure alignment with best industry practices and evolving regulatory requirements
- ** Performance Reporting**:
Prepare and present monthly performance reports to senior management, focusing on portfolio risk, credit sales growth, and overall performance metrics
- ** Stakeholder Engagement**:
Represent TWK Agri at Credit Bureau meetings and industry forums. Maintain strong relationships with internal departments, clients, and other stakeholders to enhance service delivery

**Qualifications and Skills**:

- Bachelor's degree in Finance, Accounting, Business Administration or a related field
- Honours degree or higher preferred
- MBA or relevant professional certification (advantageous)
- 8-10 years of proven experience in credit risk management, with at least 5 years in a senior leadership role
- Strong expertise in managing large credit facilities, ideally within the agricultural sector
- Demonstrated experience in developing and implementing credit sales strategies
- Strong analytical skills and proficiency in financial analysis
- Excellent communication and negotiation abilities, with experience working across diverse stakeholder groups
- Attention to details and a commitment to accuracy
- Strategic thinker with the ability to align credit management with company goals
- Effective decision-making skills, particularly in high-pressure situations
- _The company can expire jobs at any time at their own discretion._