Regional Head: Credit Risk ( Polokwane )

MAIN PURPOSE OF THE JOBManage Commercial Banking and Transformation credit assessment function within the designated region. Manage and oversee all lending activities and risks associated with credit granting and underlying clients within approved Land Bank mandate and risk appetite as determined by the Bank from time to time in accordance with approved Credit Policies, norms, and mandates. Provide leadership to ensure that the key strategic objectives are met. Responsible for managing and mitigating credit risk in the designated region.Be responsible for adopting and optimizing a best-fit operational model with the appropriate finance, governance, risk framework, and controls, and ensure alignment with the Bank's guidelines, policies, and legislation.Establish, input, implement, and take the lead in reviewing credit policy; procedures; credit risk frameworks in collaboration with internal and external stakeholders.Introduce and embed operational efficiencies by implementing customer-centric credit execution of credit strategy, function inclusive of related policies, norms, and SOP, and making informed credit recommendations.Identify improvement opportunities to credit processes which will reduce risk by conducting gap analysis for emerging commercial farmers, medium, and large commercial farmer segments at a regional level and support Land Bank's prudent lending approach.Manage credit risk by keeping abreast of appropriate legislation through relevant research and benchmarking to align with industry best practices.
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