Credit Risk Manager (JHB)

• Review credit Limit and transaction application and provide risk review opinions.
• Review credit rating applications and provide credit rating validations.
• Administer the Drawdown Centre process and procedure.
• Ensure the above complies with internal policies and procedure manuals.

• ICAAP, Recovery Plan Risk Appetite, Sensitivity and Stress Testing, Pillar 3 disclosures and others as it relates to credit risk.
• Represent the bank at industry forums and working groups.
• Engage with the Regulator, Auditors and other stakeholders in relation to credit risk and related credit risk matters.

• Monitor counterparty and industry concentration risk.
• Monitor credit limit expiry and credit limit renewal.
• Monitor the monthly post lending reporting and issue risk review opinion.
• Monitor annual review of loans and advances.
• Monitor internal credit rating validity and credit rating renewal.
• Monitor covenant compliance and adherence to legal agreements.
• Monitor the risk classifications of loans and advances.

• Identify and evaluate significant increases in credit risk.
• Measure the impact of adverse news, ESG risk, RAD triggers on assets / counterparties.
• Trigger loan / asset risk classifications reviews.
• Make risk-based recommendations for the various committee.
• Monitor Past Dues, Non-performing assets and report on the write off process of loans and advances.

• Cooperate and collaborate with Front Office Departments to obtain condonations for breaches of any policy requirements.
• Maintain the credit limit and credit rating expiry monitoring tool.
• Maintain the annual post lending monitoring tool and ensure annual reports are completed.
• Take responsibility for reminding Front Office Departments to follow up on exposures in excess.
• Cooperate and collaborate with Front Office Departments on roll-overs of interest period on loans and advances are conducted.

• Receive meeting requests from Front Office Departments.
• Confirm meeting date with the Chairperson and circulate meeting documents in line with the ToRs.
• Draft meeting minutes.
• Maintain meeting records and related documents.

• BCom Degree in Finance, Economics or related field.

• 4-8 Years Banking/Financial Services experience.
• 4-8 Years Credit/Business Analyses experience.
• Analysis of financial statements.
• Analysis of credit applications (corporate clients).
• Compile credit assessment reports.
• General understanding of the function of a bank.
• MS Office (Excel, Word and PowerPoint).

• Post Graduate qualification in Finance.
• 4-8 Years Risk experience.
• Regulations relating to Banks.

• Analytical and attention to detail.
• Communication (Written and verbal).
• Time Management.

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