• Assessment and evaluation of lending applications for clients (individuals and businesses) based on sound credit risk and affordability assessments, financial principles and credit policies which will support growth of the asset book of the bank and manage credit losses by ensuring sound lending credit principles are applied at all times and that lending is within the Bank’s risk appetite parameters. This will include the spectrum of lending products available to all segments of clients including  Business, Agric and Entrepreneur, including specialised lending, trade finance, debtors finance, commercial property finance, agriculture and others.
• Support business partners in understanding and meeting client lending needs.
• The jobholder may operate in one or more of the segments as required by business needs.

Experience 

Years: 5-7 Years

•  Experience in intuitive credit assessment and decisioning in relevant segment and products (i.e. across business, entrepreneur, lifestyle and personal). 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 and should hold a mandate not less than R50Mil.
• Experience in Agric sector is essential

B/Comm Accounting or Financial Management Degree or Credit Diploma 

Behavioural Competencies

Making Decisions

Analysing Solutions

Developing Relationships

Coping with Pressure

Team Working

Technical Competencies

Interpreting Data

Developing Expertise

Showing Composure

Resolving Conflict