Manager: Regional Credit

Are you a detail-oriented credit professional with a passion for responsible lending and deep client engagement? This is your chance to join a dynamic financial institution and contribute to meaningful, growth-driven credit solutions.

Key Responsibilities:

• Assess and analyse client financials, including cash flows, forecasts, and existing debt exposure.
• Make sound credit decisions within policy frameworks and in compliance with the National Credit Act.
• Determine the most appropriate lending solutions to meet client needs while managing risk effectively.
• Conduct client engagements (virtual or in-person) to build deep business understanding.
• Draft and apply credit conditions, identifying risks and ensuring proper mitigations are in place.
• Proactively identify opportunities for asset growth while upholding strong credit principles.
• Collaborate with internal teams to improve processes, provide guidance, and share credit expertise.
• Participate in ecosystem and squad sessions to support broader business objectives.

What Were Looking For:

• Ability to interpret financial statements and assess client capacity and willingness to repay.
• Proven experience in loan assessment, credit structuring, and understanding of credit policies.
• Strong knowledge of collateral types, legal frameworks, and deeds office processes.
• Familiarity with affordability assessments, credit checks, and scorecard completion.
• A proactive mindset, able to make confident decisions and communicate them effectively.

Key Competencies:

• Analytical thinking and data interpretation
• Decision-making under pressure
• High attention to legal and risk principles
• Ability to coach and support team members
• Clear and articulate communicator
• Commitment to continuous learning and expertise development
• Passion for delivering an exceptional client experience

Qualifications:

• A degree in Finance, Economics, Accounting, or related field
• Minimum of [Insert Years] years in a credit risk, business banking, or lending environment
• Strong technical understanding of credit risk systems, regulatory requirements, and financial modeling