Business Judgemental Credit Manager

Job Description

• To evaluate, manage and approve complex credit risk within area of responsibility by providing advice, recommendations and support to internal stakeholders through the implementation of group credit mandates, risk frameworks and methodologies.
• To provide coaching and mentoring to relevant internal (Business Judgemental Credit Manager I) and external teams (Relationship Managers).

Are you someone with the following skill/abilities:

Credit Risk Assessment

• Ability to analyse complex financial statements and cash flows.
• Understanding of industry-specific risks and macroeconomic factors.

Financial Analysis

• Strong grasp of financial ratios, balance sheets, income statements, and cash flow analysis.
• Ability to assess borrower repayment capacity and financial health.

Decision-Making & Judgment

• Sound judgment in approving or declining credit applications.
• Balancing risk and reward while aligning with the bank’s risk appetite.
• Experience in structuring credit facilities to mitigate risk.

Regulatory & Compliance Knowledge

• Familiarity with local and international banking regulations (e.g., Basel III, IFRS 9).
• Ensuring credit decisions comply with internal policies and external legal requirements.

Communication & Negotiation

• Clear articulation of credit decisions to stakeholders (e.g., credit committees, relationship managers).
• Skilled in negotiating terms with internal and external stakeholders to reach mutually beneficial outcomes.

Portfolio Management

• Monitoring and managing a portfolio of credit exposures.
• Proactive management of problem accounts and restructuring when necessary.

Analytical & Critical Thinking

• Ability to synthesize qualitative and quantitative data.
• Strong problem-solving skills, especially in ambiguous or high-pressure situations.

Ethical Standards & Integrity

• High ethical standards in decision-making.
• Commitment to responsible lending practices.

You will be an ideal candidate if you:

• Minimum Qualification: Tertiary BCom Qualification, Preferably in Economics, Accounting, Financial Management or Risk Management.
• Preferred Qualification: CA (SA)/CFA, BCom Honours.
• Experience: 5 Years banking experience, with at least 3 years managing a portfolio of bankers with an individual credit mandate.
• Strong judgemental credit experience, exposure to Agriculture clients will be beneficial.
• Demonstrated ability to build and maintain stakeholder relationships across segments.

You will have access to:

• Opportunities to network and collaborate
• A challenging working environment
• Opportunities to innovate

End Date: August 1, 2026