Credit Manager - Commercial Banking and Transforma

• 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 applicants
• Research and assess the industry in which the business is associated and assess the potential risk of granting the loan
• Provide technical support to the Credit Analysts & the relevant stakeholders with respect to new loan applications
• Review 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 policies
• Ensure 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