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Role Title: Senior Credit Manager
Division: Intuitive Credit
Number of Positions: 3
Purpose Statement
- To evaluate and manage the intuitive credit and associated risks within an allocated portfolio in a geographic region; effectively integrating and controlling the credit function by maintaining the quality of credit risks across the portfolio, minimizing the risk of loss through bad debts, while maximizing profits.
- To interact with other areas of the bank, acting as a catalyst in driving change initiatives to ensure compliance within agreed risk parameters as set out in the changed strategy.
Experience
Minimum:
- At least 8 -10 years banking experience, 5 of which in credit
- Credit Management experience across business and commercial markets in the intuitive space as well as the scored lending environment
- Working within the requirements of the National Credit Act and other relevant legislation
- Significant experience in preparing and motivating Credit applications
Ideal:
- Experience of managing a portfolio of business customers with a service and financial analysis focus.
Qualifications (Minimum)
- Bachelor's Degree in Commerce or Credit Management
Qualifications (Ideal or Preferred)
- Honours Degree in Commerce or Credit Management
Knowledge
Minimum:
- Business acumen
- Risk management principles and processes
- Project management methods and practices
- Relationship building and management techniques
- Customer relationship management (CRM) principles and techniques
- Knowledge of competitor product offerings/channels/operational and marketing tactics.
- Credit principles and practices, including an understanding of credit application, securities
- Legal entities (companies, close corporations, sole proprietorships etc.) in the commercial market and the legislative restrictions and requirements governing these from a financial services perspective.
- Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA).
- Able to extract, analyze and apply CRM insights to influence the client management approach and strategy
Ideal:
- Products available and pricing structures
- Current taxation laws as they apply to clients
- A good knowledge of administration processes and procedures pertaining to Business Banking transactions
- Financial Modelling; financial analysis (evaluating and identifying trends), complex cash flow cycles (industry/sector specific)
Skills
- Analytical Skills
- Attention to Detail
- Communications Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Interpersonal & Relationship management Skills
- Numerical Reasoning skills
- Planning, organizing and coordination skills
Conditions of Employment
- Clear criminal and credit record
Capitec is committed to diversity; applications to this position will strictly be considered in support of our employment equity goals.
Capitec Bank is an authorised financial services provider (FSP 46669) and registered credit provider (NCRCP13). Capitec Bank Limited Reg
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