1 - Management of Resources
? Manage and develop subordinate(s): Performance management in terms of contracting, reviews and poor performers, Training and development, Employee relations
? Manage people efficiencies through leave management, headcount budget, fixed term contracts, staff movements, secondments, staff utilization
? Take appropriate disciplinary measures as required
? Facilitate induction of new staff within one month of joining the organization
? Motivate the team to achieve organisational goals

2 - Portfolio Management
? Assist in the development and design of customised lending structures, ensuring they meet the client's needs while adhering to the bank's risk policies
? Provide guidance on complex financial transactions, such as restructuring, refinancing, or expansion funding
? Regularly monitor the performance of the credit portfolio, including repayment behaviour, credit utilisation, and exposure limits
? Track key metrics such as delinquency rates, loan-to-value ratios, non-performing loans (NPLs), and industry concentration
? Identify trends and patterns that may indicate emerging risks or opportunities
? Assess the overall risk profile of the portfolio and ensure compliance with the bank's risk appetite and regulatory requirements
? Prepare detailed portfolio reports for senior management and credit committees, highlighting key risks, trends, and performance metrics.
? Develop dashboards or tools to visualize portfolio health and provide actionable insights for decision-making.

3 - Credit Risk Assessment and Management
? Receipt and review of Invoice Discounting, Preference Share Funding, Corporate Banking, Securities, Property and Investment deals that are submitted to Credit, thereafter timeously delegation of the deals to the respective credit analysts. In addition involved with deals when applicable, that are done via GFS and Property Solutions
? Manage, assess and suggest alternative funding solutions by making recommendations based on the credit policy guideline and the analysis based on the information provided
? Ensure quality of submissions of credit applications and reviews by reviewing and evaluating information received from marketing, analysts and support staff
? Ensure compliance by recommending facilities based on the credit policy guideline and in conjunction with Bank strategy and the analysis based on the information provided within applicable mandate
? Assess complicated deals in need
? In need prepare credit comments if there is an over flow from the Credit analysts
? Review credit proposals completed by analysts and make recommendations where applicable
? Ensure timeous approvals obtained
? Manage the credit staff (direct and indirect reporting (in need)) and responsible for corrective action where team goals are not being met
? Liaise with key clients and make recommendations for effective deal structuring in conjunction with consultants
? Attend meeting with external attorneys on both new and existing deals to ensure that the bank is adequately secured
? Manage performance and build the intellectual capital of the team by conducting on the job training, counselling and coaching
? Provide for ongoing training of the credit staff and marketing staff
? Support for Credit Manager Property
? Manage stakeholder relationships, i.e. marketing department, attorneys and service providers (Windeed, ITC)
? Build and maintain effective working relationships with marketing by providing credit risk management advice.
? Improve credit policies and procedures by recommending and making submissions to the Head of Credit
? Adapt to changes in Legislation, economic and industry conditions by implementing the changes to credit policies, processes and systems where applicable.
? Maintain a department organisational structure sufficient to meet all goals and objectives
? Preparation and assessment for Staff Loans
? Check, review, address and make recommendations on the Invoice Discounting Audit Reports and sign-off
? Check and review ID Operations reports and sign-off

4 - Credit Operations
? Review and approve credit applications, ensuring compliance with credit policies and risk parameters.
? Oversee the preparation, accuracy, and completeness of loan agreements, collateral documentation, and other related paperwork
? Check security documents received from attorneys to ensure that security documents are accurate and in order
? Ensure credit payments are done within approved parameters
? Responsible for approval with regards draws from call accounts which are ceded to the Bank
? Ensure all required legal and compliance checks (e.g., KYC, AML) are conducted before loan disbursement
? Manage end-to-end loan processing, from approval to disbursement.
? Coordinate with relationship managers and operations teams to ensure timely loan disbursement to clients
? Identify inefficiencies in credit operations processes and recommend improvements.
? Collaborate with IT and operations teams to implement technology solutions, such as loan management systems or automated workflows
? Ensure seamless integration of new systems or procedures with existing operations

5 - ? Review and approve credit applications, ensuring compliance with credit policies and risk parameters. ? Oversee the preparation, accuracy, and completeness of loan agreements, collateral documentation, and other related paperwork ? Check security docume
? Regularly monitor the performance of the credit portfolio, tracking repayments, delinquencies, and credit limits
? Ensure timely updates to the loan management system for accurate reporting and analysis
? Prepare periodic credit reports, including portfolio performance metrics, risk assessments, and regulatory compliance
? Ensure adherence to regulatory and internal credit policies, including limits, covenants, and industry-specific guidelines
? Monitor and address breaches in loan covenants or terms
? Ensure oversight of Preference Share Schedule
? Monitor credit quality of Lending portfolios
? Assist with managing of arrears on Lending portfolio
? Manage monthly review of covenants
? Maintain up-to-date knowledge of regulatory requirements and implement changes to operational procedures as necessary

6 - Stakeholder Management
? Develop and nurture relationships with business clients to understand their financial needs, challenges, and objectives
? Act as a trusted advisor, offering tailored credit solutions to support clients' business growth and sustainability
? Conduct regular client meetings and site visits to maintain rapport and assess business performance
? Collaborate with relationship managers to analyse clients' financial requirements and propose appropriate credit products
? Work closely with product specialists to deliver integrated financial solutions to clients
? Participate in networking events, industry conferences, and client gatherings to strengthen relationships and generate leads
? Maintain a deep understanding of industry trends and leverage this knowledge to identify growth opportunities for clients