Johannesburg: Credit Risk Manager (JHB) posted by Datafin
Posted on 2025-06-16 00:00:00
| Employer | Datafin |
|---|---|
| Category | Other IT/Computer |
| Location | Gauteng / Johannesburg |
Job Summary
Johannesburg – Gauteng – South Africa
- 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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