Job Description
About the Role
Our client in the Commercial Asset Finance Industry is looking for a Credit Manager to join their team in Cape Town. The successful candidate will be responsible for developing, implementing, and maintaining credit models, as well as leading the design of credit automation systems.
Key Responsibilities
- Lead the design, development, and continuous improvement of credit models, scorecards, and analytics tools
- Analyse and integrate data to refine credit decisioning systems, ensuring they align with industry best practices and regulatory standards
- Drive automation initiatives to streamline credit evaluation and approval processes
- Make credit recommendations and approve credit applications within authorized mandate levels, ensuring the placement of quality assets
- Implement responsible lending practices to minimize risk and ensure compliance
- Assess and manage credit risk across new and existing client portfolios
- Conduct thorough credit assessments to ensure the acquisition of high-quality assets while mitigating potential risks
- Monitor credit performance and provide insights to adjust risk parameters as necessary
- Understand and anticipate client needs, providing tailored credit solutions to support their financial goals
- Maintain strong relationships with clients, offering proactive and innovative solutions within agreed turnaround times
- Work closely with Sales, Credit Committee, Finance, and Operations teams to optimize credit models for better performance and compliance
- Coordinate with cross-functional teams to address any challenges in credit assessment, approval, or risk management
- Develop and maintain reports to track credit performance, model accuracy, and risk metrics
- Present insights and recommendations to senior management and stakeholders, supporting strategic decision-making
- Ensure all credit operations comply with internal policies and external regulations
- Stay updated on industry trends, regulatory changes, and emerging best practices to continuously refine credit strategies
Requirements
- Grade 12
- NQF Level 7 or Higher in a Financial or Banking related field essential
- CIMA, Credit management degree or equivalent will be advantageous
- 2-5 years’ experience in a credit management environment, preferably in commercial finance
- Experience managing teams and fostering a collaborative, high-performance environment
Qualifications
No formal qualifications mentioned.
Salary & Benefits
Salary information not provided.
How to Apply
Click the green “Go Apply” button below to apply directly online with the employer.
About Other Finance/Accounting Jobs in Western Cape
In the Western Cape, the finance and accounting profession is a thriving industry with a strong demand for skilled professionals. Typically, the job market trends indicate a steady growth in the need for finance and accounting expertise across various sectors. This is often driven by the increasing importance of financial management, regulatory compliance, and data-driven decision-making in businesses.
When it comes to salaries, it’s common to see broad ranges varying depending on factors like experience, company size, and industry sector. Generally, entry-level positions can expect salaries ranging from R250 000 to R400 000 per annum, while senior roles may command salaries between R600 000 and R1 200 000 or more, depending on the individual’s qualifications and level of expertise.
Common skills required for finance and accounting roles in Western Cape include proficiency in financial software such as QuickBooks, Xero, or SAP; strong analytical and problem-solving skills; excellent communication and interpersonal skills; attention to detail and organisational abilities; knowledge of tax laws and regulations; and experience with budgeting and forecasting tools. Typically, a degree in commerce, accounting, or a related field is also essential.
Industry sectors commonly employing finance and accounting professionals include the financial services sector, technology industry, manufacturing sector, and corporate organisations. These roles often involve providing financial guidance, managing budgets, preparing financial reports, and ensuring compliance with regulatory requirements.
For those looking to advance their careers in finance and accounting, career development opportunities abound. Typically, experienced professionals can move into senior management positions or pursue specialisations like forensic accounting, audit, or financial planning. Others may choose to transition into related fields like business consulting, investment banking, or entrepreneurial ventures. With continuous learning and professional development, finance and accounting professionals in Western Cape can enjoy a rewarding and challenging career with opportunities for growth and advancement.
This information provides general career guidance. Actual salaries and requirements vary by employer.
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