Job title : Credit Manager
Job Location : Mpumalanga,
Deadline : November 04, 2024
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Job Summary:
- Reporting directly to the Head of Credit, the Senior Credit Manager will be responsible for overseeing credit risk management, driving sales growth, and managing a team of Credit Relationship Managers. This role requires a deep understanding of credit principles, exceptional leadership, and the ability to manage complex issues under pressure.
Responsibilities and Duties:
- Leadership & Team Management:
Lead and mentor the Credit Relationship Management team, ensuring they meet strategic objectives and excel in performance - Credit & Risk Management:
Evaluate and manage credit risks across the portfolio. Oversee the entire credit approval process, ensuring adherence to company policies and driving down non-performing loans - Client Relationship Management & Sales Growth:
Collaborate with sales teams to create tailored credit solutions. Foster and maintain positive client relationships to enhance cross-selling and upselling opportunities - Debt Management & Recovery:
Develop and implement strategies to reduce bad debt. Recommend debt restructuring or account handover while preserving customer relationships and adhering to regulatory requirements - Policy & Process Development:
Lead the review, development, and implementation of credit policies and processes. Ensure alignment with best industry practices and evolving regulatory requirements - Performance Reporting:
Prepare and present monthly performance reports to senior management, focusing on portfolio risk, credit sales growth, and overall performance metrics - Stakeholder Engagement:
Represent TWK Agri at Credit Bureau meetings and industry forums. Maintain strong relationships with internal departments, clients, and other stakeholders to enhance service delivery
Qualifications and Skills:
- Bachelor’s degree in Finance, Accounting, Business Administration or a related field
- Honours degree or higher preferred
- MBA or relevant professional certification (advantageous)
- 8-10 years of proven experience in credit risk management, with at least 5 years in a senior leadership role
- Strong expertise in managing large credit facilities, ideally within the agricultural sector
- Demonstrated experience in developing and implementing credit sales strategies
- Strong analytical skills and proficiency in financial analysis
- Excellent communication and negotiation abilities, with experience working across diverse stakeholder groups
- Attention to details and a commitment to accuracy
- Strategic thinker with the ability to align credit management with company goals
- Effective decision-making skills, particularly in high-pressure situations
How to Apply for this Offer
Interested and Qualified candidates should Click here to Apply Now
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