Senior Credit Manager: Evaluation

• CA or BCom postgraduate qualification.
• MBA would be advantageous.
• 8 to 10 years’ experience in a financial institution.

• Perform risk gradings of Business Partners through an application of in-house credit risk tools and models and give constructive view on the output.
• Ensure adherence to credit policies and procedures as well as team alignment to the Credit Risk Appetite Strategy.
• Responsible for the final sign-off of all risk ratings within the company, including accountability for a consistent rating approach for all entities and approval of overrides.
• Prepare and position submissions at the relevant sanctioning committee and respond to questions.
• Provide support, guidance and a consistent approach and interpretation of credit and investment principles across the full credit cycle.
• Responsible for independent evaluation of annual credit reviews and provide oversight to ensure these are aligned with policy requirements.
• Assist Origination Managers in ensuring that all key and specific credit conditions are correctly and clearly documented and properly defined in the relevant facility agreements.
• Partner with Risk Governance and Portfolio Management to provide insights on client conduct and lessons learnt when required.
• Facilitate constructive working relations and healthy working morale with internal stakeholders.
• Providing input to the development and enhancing of credit policies and procedures.
• Ensure on-going compliance with Credit Policy and other relevant regulatory requirements.

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