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Results for loans in "loans" in South Africa in South Africa

Credit Manager - Commercial Banking and Transforma

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Manage the end to end credit process of Commerical Banking and Transformation (CBT) Banking clients in order to enable the company to provide sustainable financing to farmers.Collectively approve loans and credit limits under delegated authority within the Regional Credit Committee (RCC), and review transactions for recommendation within delegated authority mandate.Review and present proposal to Credit Investment Committee (CIC) and full board.Find innovative credit solutions for Commerical Banking and Transformation (CBT) clients in order to ensure that credit risks in this target market are adequately assessed, mitigated and controlled.Co-ordinate Regional Credit Committee (RCC), Provincial Credit Committee (PCC) and Pricing Committee meetings;Manage committee processes and adherence to set policies, and act as an information and reference point for the Chairman and other committee members.Manage, control and authorise tasks performed by the Credit Analysts and Credit Administrators.Effectively liaise and communicate with the relevant stakeholders within the company to action performance gaps and variances in the credit proposals.Actively provide input in the review and or improvement of the Credit Policy and Procedures in order to enhance and ensure that the legal and business requirements are met Key Performance Areas Quality Credit Assessment and Credit Risk Management Ensure that all relevant information and documentation has been received from the relevant stakeholders and has all credit related matters addressed.Assess business and financial risk by analysing financial statements of applicantsResearch and assess the industry in which the business is associated and assess the potential risk of granting the loanProvide technical support to the Credit Analysts & the relevant stakeholders with respect to new loan applicationsReview credit applications for re-advancement of loans taking into consideration past operational and financial performance of applicants.Identify any deviation from the Account Management Policy and take remedial action. Collective mandate to approve loans and credit limits under delegated authority Compulsory attendance of meetings by the Credit Manager as a voting member.Consider and recommend applications that are mandated to committee for approval, in instances where there is an exception to the approved credit policiesEnsure a uniform application of credit policies and processes throughout the company;Ensure that approval of credit applications are consistent and in accordance with approved credit po https://www.executiveplacements.com/Jobs/C/Credit-Manager-Commercial-Banking-and-Transformati-1245168-Job-Search-12-8-2025-4-54-03-AM.asp?sid=gumtree

10h

Executive Placements

Mamelodi

Client Banking Analyst (Commercial Banking & Trans

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Key Performance AreasFacilitate Development Transformation Of The Agricultural SectorPrepare, review, and enhance application materials for all applications, i.e., Blended Finance, Agro-Energy Fund, etc., to meet high standards of accuracy, completeness, and compliance.Analyse and understand the criteria for approval of all applications, such as BFS and Agro-Energy Fund applications Financial Modelling, Analysis & Deal StructuringProvide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:Viability of the business caseAlignment to the Banks mandateStructure the most optimal transaction based on legal aspects, regulations, and the mandate of the Bank.Depending on the outcome of the assessment, compile a report on the outcome of all assessments highlighting risks, irregularities, business deterioration, and insights. Growth, Profitability And Financial PerformanceAssist the Relationship Manager and Provincial Head in developing and implementing strategies to meet financial sustainability targets.Conduct regular reviews of existing clients with stand-alone accounts to identify potential opportunities for cross-selling Proactive portfolio management: Within 72 hours of receipt of the new file, undertake the client on boarding process:Validate the loan conditions, update the loan conditions register, and diarise the expected due date for each condition on the system.Inform the client of the loan conditions and the adherence thereof.Validate the client information with the client and update the system. This will include validation of the instalment due date alignment to the clients income cycle, commodities, and KYC documents.Measure the cost-to-income ratio to ensure positive portfolio health.Aim to keep overdue reviews within a threshold not exceeding 5% of total reviews, taking corrective action when necessary.Support the Relationship Manager and Provincial Head in monitoring the performance of clients in stage 1 and stage 2 to ensure portfolio health. Client Relationship Management And Preservation StrategyEstablish and manage a tracking system to monitor response times and ensure timely follow-up.Support the Relationship Managers turnaround time to address and respond to client complaints aligned with standard level targets.Support Relationship Managers in driving client contracts through the loan origination process within stipulated timelines for client satisfaction 90 days. Proactive arrears and default management:Obtain approval from the relevant credit committees regarding changes in membe https://www.executiveplacements.com/Jobs/C/Client-Banking-Analyst-Commercial-Banking--Transf-1244389-Job-Search-12-4-2025-1-32-30-AM.asp?sid=gumtree

Executive Placements

Polokwane / Pietersburg