Junior Credit Manager

• Classifying commercial vehicle dealers based on business scale and risk status.
  
• Implementing tailored marketing strategies.
  
• Identifying and mitigating customer risks during contract signings or visits.
  
• Conducting prompt asset preservation activities for overdue loans.
  
• Analyzing financial reports of corporate customers and assessing repayment ability profitability and operational capability.
  
• Identifying potential risks in commercial vehicle customers operation industries.
  
• Conducting detailed credit analysis covering financial operational collateral shareholder and industry aspects.
  
• Preparing credit papers for client facility adjustments and covenant breaches.
  
• Presenting requests to the board and Group credit committees.
  
• Engaging continuously with clients for monitoring identifying credit stress and assisting in recoveries while ensuring compliance and collaborating with stakeholders to manage credit risk effectively
  
• Ensure compliance with rules and regulations of commercial vehicle retail business.
  
• Stay updated on national macroeconomic and financial environments and trends in the automotive financial industry.
  
• Familiarity with the Groups commercial vehicle products local network layout and operational model of commercial vehicle dealers and fleets.
  

Requirements

• NCA certification advantageous
  
• Bachelor of Commerce degree in Finance Accounting or higher preferred
  
• 3 years of lending or credit experience required
  
• Sound credit analysis experience is required
  
• Commercial legal knowledge is preferred
  
• Proficiency in Microsoft Word Excel PowerPoint and other common office software
  
• South African Citizen

Benefits

• Medical Aid Allowance: R600.00
  
• Provident Fund: 7.5% (Employee) 8% (Employer)
  
• Additional performancebased rewards: Excellent performance can be rewarded with an additional months salary.