Head, Credit, Commercial

Business Segment: Business & Commercial BankingLocation: Johannesburg, Baker Street 30, ZATo lead, develop and manage the credit evaluation team in support of the Commercial Segment's asset growth targets. To comprehensively manage the credit risk of the lending portfolio of the Commercial Segment for the Business Centres, specifically in respect of originations, assessment of credit risk, sanctions, credit risk management, account maintenance and distressed and high-risk accounts in keeping with the BCB credit policies, guidelines and risk appetite. Supports and proactively leads the team to support business partners and ecosystem methodology in understanding and meeting client lending needs, ultimately supporting the Universal Financial Services Organisation aspiration. To have overall responsibility for the Commercial Segment and to champion/sponsor all strategies and processes related thereto.QualificationsMinimum QualificationsType of Qualification: First DegreeField of Study: Business CommerceExperience RequiredCredit Risk-BCCRisk & Corporate Affairs8-10 yearsCredit evaluations experience, preferably across CIB, Commercial and Business. Deep understanding of credit principles and financial statements, particularly as relates to Business Lending. Understands collateral, credit risk and collections processes.Previous experience in managing a team responsible for the account management of a lending portfolio from a risk/credit perspective. Previous people management experience. Previous Agri credit experience and/or Structured and Specialised Lending credit experience is an advantage.Additional InformationDeveloping StrategiesDirecting PeopleInteracting with PeopleMaking DecisionsResolving ConflictEconomic Capital Management
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