Job Description

• The purpose of the role is to evaluate, manage and approve complex credit risk within area of responsibility by providing advice, recommendations and support to internal stakeholders through the implementation of group credit mandates, risk frameworks and methodologies.
• To provide coaching and mentoring to relevant internal (Business Judgemental Credit Manager I) and external teams (Relationship Managers).

Are you someone who can

• Manage respective portfolio within the banks risk appetite and asset growth budget and target.
• Assess and approve annual review and/or ad hoc requests of all counterparties within allocated portfolio and mandate structure.
• Assess and approve any escalated applications as and when required.
• Conduct client visits with frontline sales representative as and when required.
• Present to Credit committees determined by mandate levels (e.g., Commercial Credit Committee, Provincial Credit Committee and National Pre-screen Committee).
• Active member of Regional Credit Committee.
• Identify and manage credit risk at origination on an ongoing basis.
• Daily excess monitoring of counterparties in their portfolio.
• Monthly/ Quarterly/ Bi- annual or Annual covenant compliance monitoring Approve or recommend counterparty exposure across multiple products (working capital facilities as well as specialised finance and term loans) for area of responsibility.
• Assess and approve credit in terms of approved mandate through quantitative and qualitative analysis, to minimise Credit Risk to the business and manage the credit approval process.
• Assess credit applications, structure and compile proposal for presentation at the credit committee or higher mandate holders.
• Ensure credit approvals are conducted within appropriate governance (legislative and audit), process and mandate requirements.
• Ensure average approval turnaround time on deals and related reworks within acceptable norms.
• Workflow management within agreed SLA’s.
• Provide on the job coaching and guidance to the Credit Manager I.
• Participate in planned activities that are appropriate for own development.
• Develop, encourage and nurture collaborative relationships across area of specialisation.
• Develop and manage key stakeholder relationships that enable achievement of operational objectives.
• Drive customer service delivery goal achievement in line with predefined standards and in support of operational objectives.
• Ensure compliance to legislative and audit requirements and adherence to relevant processes.
• Maintain expert knowledge on relevant legislative amendments and industry best practices and provide advice to relevant stakeholders.
• Maintain up to date knowledge of local and global trends

Qualifications and Experience

• 4-5 Years’ Credit Risk Experience
• BCom Finance/Accounting or Similar

End Date: November 7, 2025