Credit Manager

Industry : Commercial Asset Finance Key Responsibilities: Credit Model Development & Enhancement: Lead the design and continuous improvement of credit models, scorecards, and analytics tools. Credit Automation & Decisioning: Drive automation to streamline the credit evaluation and approval processes. Approve credit applications within mandate levels and implement responsible lending practices to minimize risk. Risk Management: Assess and manage credit risk across new and existing client portfolios. Conduct thorough credit assessments to ensure the acquisition of high-quality assets. Client-Centric Solutions: Understand client needs and provide tailored credit solutions to support financial goals. Maintain strong client relationships, offering proactive solutions within agreed turnaround times. Cross-Functional Collaboration: Work closely with Sales, Credit Committee, Finance, and Operations teams to optimize credit models for performance and compliance. Reporting & Analytics: Develop and maintain reports to track credit performance and risk metrics, presenting insights to senior management. Compliance & Regulatory Adherence: Ensure all credit operations comply with internal policies and regulatory standards. Stay informed on industry trends and emerging best practices. Team Leadership & Development: Mentor junior credit analysts and provide training to ensure high-quality credit assessments. Skills and Experience: Grade 12 (Matric) certificate. NQF Level 7 or higher in a Financial or Banking-related field (essential). CIMA, Credit Management qualification, or equivalent (advantageous). 2-5 years of experience in a credit management environment, preferably in commercial finance. Experience in managing teams and fostering a collaborative, high-performance environment.

Location: Cape Town City Centre, ZA

Posted Date: 11/19/2024