Job Description
About the Role
We are seeking an experienced Lending Supervisor to join our dynamic finance team in Midrand, where you will support growing businesses while managing credit risk in a fast-paced lending environment.
Key Responsibilities
- Review, assess, approve and process SME lending applications in line with credit policies and risk appetite.
- Conduct detailed credit risk assessments on small and medium-sized enterprises, including financial analysis, affordability assessments, and business viability evaluations.
- Evaluate and manage funding facilities such as purchase order financing and invoice discounting.
- Monitor and manage the performance of the loan portfolio post-disbursement.
- Proactively oversee collections, arrears management, and recovery processes to minimise credit losses.
- Identify early warning signs of portfolio deterioration and implement corrective actions.
- Ensure all lending activities comply with regulatory requirements, internal policies, and governance frameworks.
- Prepare and present accurate lending, portfolio, collections, and risk reports to management.
- Maintain high standards of documentation, record keeping, and audit readiness.
- Supervise and support lending operations while driving continuous process improvements.
- Collaborate with internal stakeholders to ensure efficient loan administration and customer service delivery.
Requirements
- Degree or Diploma in Finance, Accounting, Banking, Risk Management, or a related field.
- Minimum 46 years’ experience within SME lending, business finance, commercial credit, or asset-based lending.
- Strong understanding of credit risk assessment for SMEs and business lending products.
- Proven experience with purchase order funding and invoice discounting facilities.
- Experience managing loan portfolios, collections, arrears, and recoveries.
- Strong knowledge of lending regulations, compliance requirements, and credit governance.
Qualifications
No specific qualifications mentioned in the original job description.
How to Apply
Click the green “Go Apply” button below to apply directly online with the employer.
About Accounting / Finance Jobs in North Johannesburg
North Johannesburg is home to a thriving financial services sector, with many multinational companies having operations in the region. Typically, the accounting and finance industry in this area experiences steady demand for skilled professionals, driven by the growth of the economy and the need for organisations to maintain accurate financial records and make informed business decisions.
When it comes to salaries, typically the range for accounting and finance positions in North Johannesburg is quite broad, with experience, company size, and industry sector all playing a significant role in determining actual salaries. Generally, junior positions in this field can expect salary ranges of around R400 000 to R600 000 per annum, while senior roles can command salaries upwards of R1 million. However, it’s essential to note that these are broad estimates, and actual salaries may vary significantly depending on individual circumstances.
Common skills required for accounting and finance positions in North Johannesburg include proficiency in financial software, such as SAP or Excel, as well as a solid understanding of financial principles and regulations. Typically, candidates with a degree in accounting or finance, as well as relevant work experience, are best positioned to secure these roles. Other key skills include attention to detail, analytical thinking, and effective communication.
The financial services sector is one of the most significant industries that commonly employs accountants and finance professionals in North Johannesburg. Other sectors that often require these skills include technology, manufacturing, and retail. Typically, organisations in these industries need accounting and finance staff to manage their financial transactions, prepare financial statements, and provide insights to inform business decisions.
For those interested in pursuing a career in accounting or finance, there are many opportunities for development and advancement. Typically, junior roles can provide valuable experience and training, which can be used as a springboard for more senior positions within the organisation. External training programs, such as certifications offered by the South African Institute of Chartered Accountants (SAICA), can also enhance career prospects. With dedication and hard work, it’s generally possible to progress to leadership roles or transition into related fields, such as business analysis or financial planning.
This information provides general career guidance. Actual salaries and requirements vary by employer.
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