Credit Evaluation Manager (Bloemfontein)

In order to be considered the following is required:

• BComm in Finance and Accounting
• 5 – 7 years’ experience in intuitive credit assessment and decisioning in relevant segment and products (i.e. across business banking or Agri). Thorough knowledge and understanding of financial statements
• Knowledge and understanding of repayment structures, collateral and collection processes within the banking environment. Understanding of legalities associated with lending and collateral
• Knowledge of credit and strategy business rules and processes to identify exclusions where applicable. Understanding of the National Credit Act
• Knowledge in respect of collateral – how it is affected and released, as well as the value assigned to different collateral types from a credit perspective. Understanding of Deeds office processes
• The knowledge and understanding of loan granting processes including credit checks, credit scorecard completion, affordability criteria and repayment terms and conditions

Duties & Responsibilities:

• Obtains and assesses client and financial information, including cash flows and cash flow forecasts, with a view to understanding the current debt levels and repayment requirements as relates to different products and banks
• Makes prudent credit decisions on lending applications and authority sought requests within the parameters of the relevant individual product policies and/or multiple product policy, relevant regulatory requirements such as the National Credit Act and sound financial principles
• Determines the best possible lending solution for the client and the bank
• Proactively highlights opportunities for asset growth in line with ecosystem philosophy and sound credit risk principles Adheres to “Before sunset service” in order to deliver excellent client experience
• Attends client visits to understand clients and their businesses
• Client engagements may be in person or virtually
• Stipulates conditions for facilities bearing credit risk policies and processes in mind
• Ensures credit risk is appropriately identified and addressed in the initial assessment and the ongoing management of the exposure
• Displays a good understanding the credit risk management environment
• Supports the credit risk team as required to ensure performance of their responsibilities
• Pro-actively identifies opportunities to improve processes and systems within the business unit to enhance risk management and efficiencies
• Assists with training new staff as and when required and cross skilling of existing staff
• Provides credit guidance and advice to business through the sharing of knowledge, coaching and assistance in improving the understanding and quality of credit risk
• Builds and maintains relationships within the broader credit team and business stakeholders
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