Assess and evaluate lending applications for clients using sound credit risk and affordability assessments, financial principles and credit policies which will support the bank’s asset book growth and manage credit losses by ensuring that lending credit principles are applied and that lending is within the Bank’s risk appetite parameters. This will include the spectrum of lending products available to business segment clients, including specialised lending, trade finance, debtors finance, commercial property finance, Agriculture (in particular) and others, dependant on the client and segment within which the Manager operates.
Minimum Qualifications
Type of Qualification: Undergraduate Degree
Field of Study: Business Commerce or Finance and Accounting or Agric qualification
Experience Required
Credit Risk-BCC
Risk & Corporate Affairs
Minimum of 3-5 years Experience in intuitive credit assessment and decisioning in relevant segment and products (i.e. across business banking and 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.
Behavioral Competencies:
- Articulating Information
- Developing Strategies
- Directing People
- Embracing Change
- Examining Information
- Interpreting Data
Technical Competencies:
- Compliance
- Risk Management
- Stakeholder Management
- Strategic Alignment & Execution
- Strategic Planning and Reporting
