Credit Manager

Industry: Commercial Asset FinanceKey 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.