Manager: Provincial Credit

Purpose Statement:

To evaluate and manage the credit and associated risks within an allocated portfolio in Business Bank through leading, driving and inspiring a team of Credit and Senior Credit Managers responsible for providing credit support, from origination and assessment, on an Intuitive basis, to ongoing risk management.
To integrate and manage the credit function by ensuring that the quality of credit risks across the regions are aligned to the Banks risk appetite, which includes minimising the risk of loss through bad debts, while maximising profits and applying risk-based pricing, where appropriate.
To evaluate, manage and monitor the credit and associated risks within a complex and high value portfolio (in addition to the supervision and management of the provincial portfolios).
Key Performance Areas:

Functional Strategy Execution
Portfolio Management
Finance Management
People Management
Risk Management and Reporting
Stakeholder Engagement
Key Tasks and Accountabilities:
Functional Strategy Execution
Collaborate with Head: Credit and Head: Intuitive Credit to contribute subject matter input towards the development of the Intuitive Credit Strategy.
Participate in the development of the Provincial Credit strategy by ensuring that the region remains up to date with industry developments, both within and outside the Bank, as well as alignment to the overall Banks strategy.
Conduct research of various industries, best practice methodologies and changes in markets thereby identifying risks to adjust lending parameters.
Portfolio Management

Managing the applicable credit portfolios to ensure that any problems are identified at an early stage and the appropriate remedial action is determined and taken through escalation as appropriate.
Accountable for early detection, management, and escalation of risk across the portfolios to mitigate and/or minimise potential losses.
Guide and lead the business and team members in structuring credit facility options and parameters for successful application of credit approvals.
Accountable for the quality of credit assessments measured as a percentage of non-performing loans and provisions raised.
Finance Management
Asset growth Support provincial activity and initiatives to achieve the desired sales and profit objectives. Ensure a good balance between risk taken, risk priced and the desired growth.
Economic performance - Responsible for early arrear management to minimise non-performing loans in the region, and the risk of loss for the Bank.
People Management
Responsible for managing, inspiring, energising and driving a team of Credit/Senior Credit managers, while promoting the culture of the Bank.
Manage staff to ensure that work, quality and service standards are set, achieved and maintained.
Effectively delegate authority and responsibility, in line with business objectiv