Job Description

Our client is currently seeking a Credit Manager to join their finance team in Midrand. They are looking for a Credit Manager to run the lending operations of our growing business. You will be responsible for strategic planning and managing the debtors team, which provide services across the group.Duties:

• Weekly, monthly, quarterly, semi-annually and annual reporting to senior management on lending activities
• Prepare reports for Board and external stakeholders
• Implement loan origination strategies with lending team
• Review and recommend credit applications and transactions within assigned credit limits in a timely manner
• Review approval letters and loan agreements to ensure credit terms and conditions are recorded
• Review and recommend disbursements according to policies and guidelines to ensure lending conditions are met
• Support the healthy and sustainable growth of a profitable loan portfolio by ensuring the credit granting and implementation is within the companys prescribed asset quality standards
• Maintain records of loan applications
• Support Loan Officers to ensure client and other stakeholder satisfaction
• Respond to and resolve escalated issues raised by the Loan Officers
• Contribute to the development and implementation of sound SME lending guidelines and policies

• Bachelors Degree or diploma in business or a related field
• Minimum 5 years SME lending experience is required
• Additional SME support services experience is considered advantageous
• Strong communication and leadership skills
• Understanding of commitment letters and other legal documents from a credit perspective
• Financial Statement analysis experience
• Sound credit judgement and to come up with well thought-out solutions to mitigate credit risk
• Understanding of SME lending practices and end-to-end credit process
• Analytical skills and attention to details

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