Recruitment Matters Africa Head of Credit Jobs in South Africa
Recruitment Matters Africa Head of Credit Jobs in South Africa
Our client is looking for a Head of Credit to join their team.
Where applicable, review cash flow models, providing input on terms sheets including covenants to ensure deal stacks up from ahigh-level perspective.
Adding value to PCC process by knowing company and industrythrough research and ongoing awareness. Calculating risk grade for obligor and providing relevant creditcomments at PCC.
For existing deals, ensure that security and facility documentations in place
Approval vs decline budget - Max 40% of deals to be declined
Evaluation of key risk areas and commercial viability of the transaction and facilities proposed.
Ensure quality credit paper.
Accurate and thorough assessment of the past and future performance of the client.
Approval and recommendation of transaction / facilities based on a sound credit principle as set out in the Credit Standard and Credit policy.
Ensuring that checklists are completed thoroughly and accurately Understanding and an ability to have a discussion on pricing, ROE, capital use, concentration, correlation and discounting.
The building of relationships within the greater Credit teams, Front Office (BDO's / Suppliers), Legal and the Discounting Team based on mutual respect.
Customer centricity within an appropriate risk / return matrix.
Appropriate discussion / engagement with the BDO / Supplier /
Client to facilitate credit analysis process and in depth understanding of the client’s business
iaison with discounting and legal for document preparation, correct capture of conditions of sanction.
Ensure CP’s are
met and legal and security documentation is in place and confirmation of security values.
Correct discounting and loading of limits (with particular reference to Stucky system relating to Working Capital Solutions)
Filing of all hard copies and soft copies of correspondence. Actively participate in recovery process when required
Awareness of the credit environment in general and in relation to the source of cash flows are emanating from ongoing credit monitoring in respect of transactions executed under MWAR.
Development of the technical and soft skills of the team with a view to closing identified gaps
Monitoring of performance of the team members, praising where needed and addressing poor performance promptly where needed
Assistance in helping team members put their Personal
Development Plans (PDP’s) into action
Key Skills
Core Competencies
Exceptional Communication
both written and spoken - Project management
Creative approach to work - Ability to accept responsibility
Relationship Management
Solution Management
Financial Analyse
Effective team management General
Competencies
Detail and Deadline oriented
Ability to work without supervision
Excellent Time Management Skills
Ability to work within a team
Required Skills
3-5 Years of Experience
Qualifications
Bcom degree with Finance and/or Mathematics and Accounting as a subject(s)
Studying towards a Postgraduate qualification
(Hon/CA/CIMA/MBA) would be an advantage
Driver’s License (Code 08) Clean Credit Record
3-5 years working knowledge of credit risk management Familiar with National Credit Act
How to Apply
For more information and job application details, see; Recruitment Matters Africa Head of Credit Jobs in South Africa
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