Manager, Credit Evaluation - Growth Portfolio

Manager, Credit Evaluation - Growth Portfolio Job Overview Business Segment: Archived_01_Corporate Functions
Assessment and evaluation of lending applications for clients (individuals and small to medium businesses) based on sound credit risk and affordability assessments, financial principles, and credit policies which will support the growth of the asset book of the bank and manage credit losses by ensuring sound lending credit principles are applied at all times and that lending is within the Bank's risk appetite parameters. This will include the spectrum of lending products available to Enterprise and Growth including specialised lending, trade finance, debtors finance, commercial property finance, agriculture, and others. Support business partners in understanding and meeting client lending needs.
The jobholder may operate in one or more of the segments as required by business needs.
Qualifications Minimum Qualifications Type of Qualification: BCom or Finance degree
Field of Study: Business Commerce
Type of Qualification: First Degree
Field of Study: Finance and Accounting. An agricultural degree would be an advantage.
Experience Required Credit Risk-BCC
Risk & Corporate Affairs
3-4 years
Experience in intuitive credit assessment and decisioning in relevant segment and products (i.e., across Business Banking or Agri). Thorough knowledge and understanding of financial statements. Knowledge and understanding of repayment structures, collateral, and collection processes within the banking environment. Understanding of legalities associated with lending and collateral.
Additional Information Making DecisionsAnalysing SolutionsDeveloping RelationshipsTaking ActionTeam WorkingComputer LiteracyLegal Principles - CollateralCredit Granting
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