Apply by: 11/06/2024 

We're on the lookout for energetic, self-motivated individuals who share our passion for service in the banking industry. To be part of the journey, follow the steps below:

1. To see what life at Capitec is all about and complete a short assessment, please click here!

2.  Once you have completed the above finalize your application by clicking apply below.

Role Information

Role Title: Senior Credit Manager

Division: Intuitive Credit

Number of Positions: 3

Locations: Gauteng, Mpumalanga and Western Cape

Purpose Statement To evaluate and manage the intuitive credit and associated risks within an allocated portfolio in a geographic region; effectively integrating and controlling the credit function by maintaining the quality of credit risks across the portfolio, minimizing the risk of loss through bad debts, while maximizing profits. To interact with other areas of the bank, acting as a catalyst in driving changed initiatives in ensuring compliance within agreed risk parameters as set out in the changed strategy. Experience

Minimum:

At least 8 -10 years banking experience, 5 of which in credit Credit Management experience across business and commercial markets in the intuitive space as well as the scored lending environment Working within the requirements of the National Credit Act and other relevant legislation Significant experience in preparing and motivating Credit applications 

Ideal:

Experience of managing a portfolio of business customers with a service and financial analysis focus. Qualifications (Minimum) Bachelor's Degree in Commerce or Credit Management Qualifications (Ideal or Preferred) Honours Degree in Commerce or Credit Management Knowledge

Minimum:

Business acumen Risk management principles and processes Project management methods and practices Relationship building and management techniques  Financial management Customer relationship management (CRM) principles and techniques Knowledge of competitor product offerings/ channels/ operational and marketing tactics.  Credit principles and practices, including an understanding of credit application, securities  Legal entities (companies, close corporations, sole proprietorships etc.) in the commercial market and the legislative restrictions and requirements governing these from a financial services perspective.  Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA).  Able to extract, analyse and apply CRM insights to influence the client management approach and strategy 

Ideal:

Products available and pricing structures Current taxation laws as they apply to clients  A good knowledge of administration processes and procedures pertaining to Business Banking transactions Financial Modelling; financial analysis (evaluating and identifying trends), complex cash flow cycles (industry/ sector specific) Skills Analytical Skills Attention to Detail Communications Skills Computer Literacy (MS Word, MS Excel, MS Outlook) Interpersonal & Relationship management Skills Negotiation skills Numerical Reasoning skills Planning, organising and coordination skills Problem solving skills Conditions of Employment Clear criminal and credit record

Capitec is committed to diversity, applications to this position will strictly be considered in support of our employment equity goals.