CREDIT MANAGER: COMMERCIAL BANKING AND TRANSFORMATION (BLOEMFONTEIN)

About the position

CREDIT MANAGER: COMMERCIAL BANKING AND TRANSFORMATION (BLOEMFONTEIN)

CLOSING DATE 1 APRIL 2025

PURPOSE

• The Credit Manager is responsible for the overall applications Commercial Banking and Transformation (CBT) assigned to their defined region as it relates to credit assessment function and credit risk management of new business, existing business and restructured accounts.
• Manage the end to end credit process of Commercial Banking and Transformation (CBT) Banking clients in order to enable the Company to provide sustainable financing to farmers.
• Collectively approve loans and credit limits under delegated authority within the Regional Credit Committee (RCC), and review transactions for recommendation within delegated authority mandate.
• Review and present proposal to Credit Investment Committee (CIC) and full board.
• Find innovative credit solutions for Commercial Banking and Transformation (CBT) clients in order to ensure that credit risks in this target market are adequately assessed, mitigated and controlled.
• Co-ordinate Regional Credit Committee (RCC), Provincial Credit Committee (PCC) and Pricing Committee meetings;
• Manage committee processes and adherence to set policies, and act as an information and reference point for the Chairman and other committee members.
• Manage, control and authorise tasks performed by the Credit Analysts and Credit Administrators.
• Effectively liaise and communicate with the relevant stakeholders within the Company to action performance gaps and variances in the credit proposals.
• Actively provide input in the review and or improvement of the Credit Policy and Procedures in order to enhance and ensure that the legal and business requirements are met.
• QUALIFICATIONS
• A relevant 3-year qualification (Degree/Diploma e.g. BCom or BTech) BSc Agriculture degree preferably with relevant Agric credit experience
• EXPERIENCE
• Credit management experience which includes: 5 - 8 Years
  o
  Commercial Credit Finance/Business Banking deal structuring

Desired Skills:

• Commercial Credit Finance/Business Banking deal structuring

Desired Work Experience:

• 5 to 10 years

Desired Qualification Level:

• Degree