About the position
Urgent position available for a Junior Credit Manager based in Kempton Park, Johannesburg.
- Classifying commercial vehicle dealers based on business scale and risk status.
- Implementing tailored marketing strategies.
- Identifying and mitigating customer risks during contract signings or visits.
- Conducting prompt asset preservation activities for overdue loans.
- Analyzing financial reports of corporate customers and assessing repayment ability, profitability, and operational capability.
- Identifying potential risks in commercial vehicle customers' operation industries.
- Conducting detailed credit analysis covering financial, operational, collateral, shareholder, and industry aspects.
- Preparing credit papers for client facility adjustments and covenant breaches.
- Presenting requests to the board and Group credit committees.
- Engaging continuously with clients for monitoring, identifying credit stress, and assisting in recoveries while ensuring compliance and collaborating with stakeholders to manage credit risk effectively
- Ensure compliance with rules and regulations of commercial vehicle retail business.
- Stay updated on national macroeconomic and financial environments and trends in the automotive financial industry.
- Familiarity with the Group's commercial vehicle products, local network layout, and operational model of commercial vehicle dealers and fleets.
Requirements - NCA certification advantageous
- Bachelor of Commerce degree in Finance, Accounting, or higher preferred
- 3+ years of lending or credit experience required
- Sound credit analysis experience is required
- Commercial legal knowledge is preferred
- Proficiency in Microsoft Word, Excel, PowerPoint, and other common office software
- South African Citizen
Benefits - Medical Aid Allowance: [URL Removed]
- Provident Fund: 7.5% (Employee), 8% (Employer)
- Additional performance-based rewards: Excellent performance can be rewarded with an additional month's salary.
Desired Skills:
- Credit Manager
- Degree
- NCA Certification
Desired Qualification Level:
About The Employer:
We are passionate professionals driven to provide Payroll and HR solutions that deliver true business value to your organisation.
Our proven track record and expertise will enable you to maximise your return on investment on any Sage Payroll & HR implementation.
Partner with a Talent Team that suits your customised needs. Recruiting top talent is a powerful and reliable foundation of strength in any business. When partnered with the best recruitment team, it’s an opportunity for long-term growth, and can bring companies a competitive advantage in their industry.
Red Ember Technology is a Certified Sage Platinum Business Partner, here to support any Sage client with the extra value-added services to complement and support their Sage products.
The Red Ember Recruitment team has combined Payroll, HR and Finance industry-specific experience, customised to the Sage products, as well as vast experience supporting various other products and industries.
Red Ember Recruitment can assist on any level of recruitment, from Interns to Executive placements, bulk recruitment, response handling, or specialised headhunting.
Employer & Job Benefits:
- Medical Aid
- Provident Fund
