Manager: Regional Credit

Description:

Are you a detail-oriented credit professional with a passion for responsible lending and deep client engagement? This is your chance to join a dynamic financial institution and contribute to meaningful, growth-driven credit solutions.

Key Responsibilities:

Assess and analyse client financials, including cash flows, forecasts, and existing debt exposure. Make sound credit decisions within policy frameworks and in compliance with the National Credit Act. Determine the most appropriate lending solutions to meet client needs while managing risk effectively. Conduct client engagements (virtual or in-person) to build deep business understanding. Draft and apply credit conditions, identifying risks and ensuring proper mitigations are in place. Proactively identify opportunities for asset growth while upholding strong credit principles. Collaborate with internal teams to improve processes, provide guidance, and share credit expertise. Participate in ecosystem and squad sessions to support broader business objectives.

What Were Looking For:

Ability to interpret financial statements and assess client capacity and willingness to repay. Proven experience in loan assessment, credit structuring, and understanding of credit policies. Strong knowledge of collateral types, legal frameworks, and deeds office processes. Familiarity with affordability assessments, credit checks, and scorecard completion. A proactive mindset, able to make confident decisions and communicate them effectively.

Key Competencies:

Analytical thinking and data interpretation Decision-making under pressure High attention to legal and risk principles Ability to coach and support team members Clear and articulate communicator Commitment to continuous learning and expertise development Passion for delivering an exceptional client experience

Qualifications:

A degree in Finance, Economics, Accounting, or related field Minimum of [Insert Years] years in a credit risk, business banking, or lending environment Strong technical understanding of credit risk systems, regulatory requirements, and financial modeling