Credit Manager
2 weeks ago
About us, purpose, experience and qualifications
**about us**:
- make a promise
- be deeply invested
- value our differences
- build trust, not territory
- have courage
- always do the right thing
**purpose**:
- Evaluates portfolio risks, makes final credit decisions and interacts with other departments regarding credit management strategies**experience and qualifications**:
- Degree or Diploma.
- Customer service experience of at least 1 to 3 years.**additional requirements**:
**responsibilities**:
- Drive an Increase in average balance of assets as defined in the Financial Performance Report of the business
- Reduce percentage of Non performing loans as a percentage of total performing book based on the business' performance
- Reduce Bad debts as a percentage of performing loans utilisation based on effective lending principals applied during approval
- Deliver exceptional Credit service that exceeds customers' expectations through proactive, innovative and appropriate solutions
- Cultivate and manage objective working relationships with a variety of stakeholders, including end-users, SME’s, project managers and senior staff members
- Maintenance of expert knowledge on relevant legislative amendments, industry best practices and provision of proactive advice and solutions to relevant stakeholders
- Ensure average approval turnaround time against target to ensure retention of clients.
- Comply with governance in terms of legislative and audit requirements
- Efficient management of high risk portfolio including timely identification of high risk clients, checking security and mitigating risk by taking outstanding and new security and reducing limits
- Manage and ensure compliance to the Basel II accord.
- Mange limits that are in excess of normal limit by reducing number against total limits
- Ensure proper implementation, upkeep and accuracy of the Credit system and the raising of accurate provisions
- Preparation of presentation credit related reports
- Plan and manage performance, skills development, employment equity, talent and culture of team in order to improve innovation, achieve efficiencies and increase competencies
- Manage personal development to increase own skills and competencies
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