Credit Manager
Bidvest Bank LimitedSandton, Gauteng, South Africa7 days ago
Job descriptionBachelor’s degree in finance, Accounting, Economics, or Business Administration. Minimum of 5–8 years’ experience in credit assessment, risk management, or portfolio management within a banking environment. Strong understanding of Corporate, Commercial, Business Banking, and Trade Finance products. In-depth knowledge of credit risk frameworks, financial analysis, and banking regulations. Assess and recommend credit applications for lending products including overdrafts, term loans, asset finance, trade facilities, and foreign exchange lines. Conduct detailed financial and credit risk analyses, including cash flow assessments, collateral evaluation, and customer due diligence. Approve or recommend credit facilities within delegated authority levels. Ensure all credit proposals comply with the Bank’s policies, procedures, and regulatory standards (e.g., Basel III, IFRS 9, SARB). Partner with sales teams and relevant stakeholders to support business objectives and client service delivery. Manage reviews and drive process. Manage collateral requirements. Conduct periodic reviews of facilities to identify early warning signals and propose corrective measures. Collection of financial information from internal clients Ensure appropriate credit controls and governance are maintained throughout the credit life cycle. Work closely with Sales teams to proactively manage client risk exposures. Inspire, motivate, and support team so that they are effective and delivering high quality work and meeting organisational and individual objectives. Monitor team performance, conduct regular performance reviews, and ensure adherence to KPIs and legal compliance. Ensure that all employees are motivated and developed. Inspire and engage employees around the vision and strategy of the Bank, maximising employee engagement and willingness to invest discretionary effort. Maintaining departmental structures, processes, and resources. Reporting to the Credit Committee and Snr Credit Committee Managing the process for Bad Debts and Impairments Maintain awareness of regulatory and market developments that impact credit risk. Ensure compliance with all relevant internal controls, risk policies, and legal requirements. Contribute to policy updates and participate in internal audit and regulatory reviews. Build a trusted advisor relationship with the Leadership Teams ensuring they are proactively and effectively advised on governance, compliance matters. Liaise with Legal, Compliance, and Collections to ensure effective management of distressed accounts. Ensure that all regulatory, legal, compliance and change requirements are planned, communicated, and fully understood by all executives and members of staff when implemented, and that where appropriate, effective levels of support are available from internal / external providers. Work collaboratively with management to develop investigative strategies. Work collaboratively across function teams within Fraud Operations, Fraud Prevention and Financial Crime Investigations to ensure effective and efficient operations with clearly defined roles and responsibilities in connection within the relevant teams. Prepare regular reports on portfolio performance, credit exposure, and risk trends. Analyze and report on portfolio quality indicators, including delinquency rates, impairments, and concentrations. Provide management with insights and recommendations for risk mitigation and business growth. Work with Learning & Development to implement appropriate education, learning and communication for employees. Take ownership for driving own career development. Achievement of objectives / milestones set out in the development plan. Preparation and signing off of the development plan Development of knowledge base and intellectually property.
Overview
The role is responsible for managing an assigned credit portfolio, ensuring the effective implementation and consistent application of credit policy, credit controls, risk management, and compliance with regulatory and organizational standards. The Credit Manager oversees the credit granting process to ensure sound credit decisions, the consistent application of credit policy, and the maintenance of a healthy and profitable lending portfolio that supports business growth while minimizing financial risk.
Technical Competency Requirement
- Ability to evaluate borrower creditworthiness through financial, business, and risk analysis.
- Skilled in interpreting financial statements, cash flow, and ratio analysis to support sound lending decisions.
- Applies and enforces the bank’s credit policies, risk appetite, and lending standards consistently.
- Understands key banking regulations (Basel III / IV, IFRS 9, AML / CFT, National Credit Act) and ensures compliance.
- Monitors and manages loan portfolios to maintain asset quality and minimize credit losses.
- Proficient in Corporate, Commercial, Business Banking, Trade Finance, and Forex credit products.
- Evaluates adequacy and enforceability of collateral and ensures proper documentation.
- Structures, assesses, and approves credit proposals within delegated authority, balancing risk and profitability.
- Utilizes banking systems and credit tools effectively for analysis, monitoring, and reporting.
- Identifies, restructures, and manages distressed accounts to minimize losses.
- Prepares accurate reports on exposure, delinquency, and portfolio trends for management insight.
- Aligns credit pricing with risk-adjusted returns and financial KPIs.
- Leverages digital tools and analytics to improve credit assessment and decision efficiency.
- Aligns credit decisions with the bank’s strategic objectives and profitability goals.
- Ensures completeness, compliance, and enforceability of credit and loan documentation.
Required Minimum Education And Training
Required Minimum Work Experience
Key Performance Area (KPA)
FINANCIAL MANAGEMENT
CUSTOMER CENTRICITY
OPERTIONAL EXCELLENCE
PEOPLE LEADERSHIP
COMPLIANCE AND MONITORING
STAKEHOLDER MANAGEMENT
REPORTING
LEARNING AND GROWTH
WORK CONDITION : OFFICE BOUND
This position is advertised in line with our commitment to Employment Equity.
#J-18808-Ljbffr
Create a job alert for this search
Credit Manager • Sandton, Gauteng, South Africa
Related jobs
- Promoted
Manager : Credit Risk Early Collections
nedbankJohannesburg, Gauteng, South Africa Requisition and Talent Acquisition Consultant Details.Total Business Banking and Retail - CDR - Risk Collection.Manager Credit Risk Early Collections.
Manager Credit Risk Early Collections.Nedbank t...Show moreLast updated: 30+ days ago
- Promoted
Credit Operations Manager
The RecruitersPretoria, South Africa A leading organisation is seeking a highly skilled and experienced Credit Operations Manager to oversee and optimise the performance of its collections department.
The successful candidate will play...Show moreLast updated: 30+ days ago
- Promoted
Manager Credit Risk Portfolio Management
nedbankJohannesburg, Gauteng, South Africa Requisition and Talent Acquisition Consultant Details.Total Business Banking and Retail - CDR - Risk Collection.To provide client service by applying sound credit risk management principles with ap...Show moreLast updated: 30+ days ago
- Promoted
Head, Home Loans Credit Collections
Standard Bank GroupJohannesburg, Gauteng, South Africa Get AI-powered advice on this job and more exclusive features.Standard Bank Group is a leading Africa-focused financial services group, and an innovative player on the global stage, that offers a v...Show moreLast updated: 2 days ago
- Promoted
- New!
Manager : Credit
nedbankPretoria, Gauteng, South Africa Requisition and Specialist Recruiter Details.Closing Date - 12 November 2025.Total Business Banking and Retail - Commercial Underwriting.
The Credit Manager’s objective is to assess and evaluate the...Show moreLast updated: 11 hours ago
- Promoted
Credit Risk Manager / Consulting
Network RecruitmentJohannesburg, South Africa Join a global advisory team thats shaping the future of risk, analytics, and regulation across financial services and beyond.
Youll be part of an environment that values technical excellence, collab...Show moreLast updated: 11 days ago
- Promoted
Credit Risk Senior Manager
Network RecruitmentMidrand, South Africa Youll join a top-tier financial risk advisory team with a strong focus on regulatory and financial risk management.Work on diverse projects, including IFRS 9 impairment models, credit monitoring fr...Show moreLast updated: 25 days ago
- Promoted
Manager : Credit Risk Review & Monitoring
NedbankSandton, Gauteng, South Africa Manager : Credit Risk Review & Monitoring.Monitoring of the end-to-end credit lifecycle across lending products for Business and Commercial Banking and Rest of Africa, to provide oversight and optim...Show moreLast updated: 29 days ago
- Promoted
Business Judgemental Credit Manager II
FirstRand groupJohannesburg, Gauteng, South Africa 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 credi...Show moreLast updated: 2 days ago
- Promoted
Credit Control Manager - Pretoria
Top Talent Professional ServicesPretoria, South Africa Our client is looking for a dynamic, results-driven Credit Control Manager to join the Finance team.The successful candidate will play a critical role in managing customer credit risk, improving ca...Show moreLast updated: 30+ days ago
- Promoted
Manager, Risk Appetite & Credit Portfolio
Standard Bank of South Africa LimitedJohannesburg, Gauteng, South Africa Business Segment : Business & Commercial Banking.Location : ZA, GP, Johannesburg, 30 Baker Street.To lead and ensure optimal performance and reporting of the Business and Commercial’s credit portfoli...Show moreLast updated: 30+ days ago
- Promoted
Manager : Credit
NedbankJohannesburg, Gauteng, South Africa Requisition and Specialist Recruiter Details.Closing Date - 13 November 2025.Total Business Banking and Retail - Commercial Underwriting.
The Credit Manager’s Large objective is to assess and evalua...Show moreLast updated: 30+ days ago
- Promoted
Structured Debt, Senior Credit Manager
Standard Bank GroupJohannesburg, Gauteng, South Africa Be among the first 25 applicants.Get AI-powered advice on this job and more exclusive features.Standard Bank Group is a leading Africa-focused financial services group, and an innovative player on ...Show moreLast updated: 30+ days ago
- Promoted
Manager Credit Risk Portfolio Management
NedbankJohannesburg, Gauteng, South Africa Nedbank Johannesburg, Gauteng, South Africa.Join or sign in to find your next job.Manager Credit Risk Portfolio Management.
Nedbank Johannesburg, Gauteng, South Africa.Manager Credit Risk Portfolio ...Show moreLast updated: 30+ days ago
- Promoted
Credit Vetting Specialist
Boardroom AppointmentsSandton, South Africa Conduct credit checks and vetting on new loan applications according to company policy and regulatory guidelines.Input and process applications using the internal loan management system.Identify po...Show moreLast updated: 30+ days ago
- Promoted
Senior Manager : Portfolio Management and Credit Impairments
Absa GroupSandton, Gauteng, South Africa Empowering Africa’s tomorrow, together…one story at a time.With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our f...Show moreLast updated: 2 days ago
- Promoted
Manager : Credit Risk
nedbankJohannesburg, Gauteng, South Africa To provide client service by applying sound credit risk management principles through management of staff thereby enabling Nedbank to reduce the RRB impairment charge with the view to rehabilitate,...Show moreLast updated: 30+ days ago
- Promoted
Manager : Credit Risk Early Collections
NedbankJohannesburg, Gauteng, South Africa Nedbank Johannesburg, Gauteng, South Africa.Join or sign in to find your next job.Manager : Credit Risk Early Collections.
Nedbank Johannesburg, Gauteng, South Africa.Manager : Credit Risk Early Colle...Show moreLast updated: 30+ days ago