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Senior Credit Manager- Credit Evaluation (JHB and CPT) We're on the lookout for energetic, self-motivated individuals who share our passion for service in the banking industry. To be part of the journey, follow the steps below: 1. To see what life at Capitec is all about and complete a short assessment, please click here! 2. Once you have completed the above finalize your application by clicking apply below.
Role Title: Senior Credit Manager
Division: Intuitive Credit
Number of Positions: 3
Purpose StatementTo evaluate and manage the intuitive credit and associated risks within an allocated portfolio in a geographic region; effectively integrating and controlling the credit function by maintaining the quality of credit risks across the portfolio, minimizing the risk of loss through bad debts, while maximizing profits.To interact with other areas of the bank, acting as a catalyst in driving changed initiatives in ensuring compliance within agreed risk parameters as set out in the changed strategy.ExperienceMinimum: At least 8 -10 years banking experience, 5 of which in creditCredit Management experience across business and commercial markets in the intuitive space as well as the scored lending environmentWorking within the requirements of the National Credit Act and other relevant legislationSignificant experience in preparing and motivating Credit applications Ideal: Experience of managing a portfolio of business customers with a service and financial analysis focus.Qualifications (Minimum)Bachelor's Degree in Commerce or Credit ManagementQualifications (Ideal or Preferred)Honours Degree in Commerce or Credit ManagementKnowledgeMinimum: Business acumenRisk management principles and processesProject management methods and practicesRelationship building and management techniques Customer relationship management (CRM) principles and techniquesKnowledge of competitor product offerings/ channels/ operational and marketing tactics. Credit principles and practices, including an understanding of credit application, securities Legal entities (companies, close corporations, sole proprietorships etc.) in the commercial market and the legislative restrictions and requirements governing these from a financial services perspective. Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA). Able to extract, analyse and apply CRM insights to influence the client management approach and strategy Ideal: Products available and pricing structuresCurrent taxation laws as they apply to clients A good knowledge of administration processes and procedures pertaining to Business Banking transactionsFinancial Modelling; financial analysis (evaluating and identifying trends), complex cash flow cycles (industry/ sector specific)SkillsAnalytical SkillsAttention to DetailCommunications SkillsComputer Literacy (MS Word, MS Excel, MS Outlook)Interpersonal & Relationship management SkillsNumerical Reasoning skillsPlanning, organising and coordination skillsConditions of EmploymentClear criminal and credit record Capitec is committed to diversity, applications to this position will strictly be considered in support of our employment equity goals. Capitec Bank is an authorised financial services provider (FSP 46669) and registered credit provider (NCRCP13). Capitec Bank Limited Reg. No: 1980/003695/06
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