Are you someone with the following skill/abilities:
Credit Risk Assessment
Ability to analyse complex financial statements and cash flows.
Understanding of industry-specific risks and macroeconomic factors.
Financial Analysis
Strong grasp of financial ratios, balance sheets, income statements, and cash flow analysis.
Ability to assess borrower repayment capacity and financial health.
Decision-Making & Judgment
Sound judgment in approving or declining credit applications.
Balancing risk and reward while aligning with the bank's risk appetite.
Experience in structuring credit facilities to mitigate risk.
Regulatory & Compliance Knowledge
Familiarity with local and international banking regulations (e.g., Basel III, IFRS 9).
Ensuring credit decisions comply with internal policies and external legal requirements.
Communication & Negotiation
Clear articulation of credit decisions to stakeholders (e.g., credit committees, relationship managers).
Skilled in negotiating terms with internal and external stakeholders to reach mutually beneficial outcomes.
Portfolio Management
Monitoring and managing a portfolio of credit exposures.
Proactive management of problem accounts and restructuring when necessary.
Analytical & Critical Thinking
Ability to synthesize qualitative and quantitative data.
Strong problem-solving skills, especially in ambiguous or high-pressure situations.
Ethical Standards & Integrity
High ethical standards in decision-making.
Commitment to responsible lending practices.
You will be an ideal candidate if you:
Minimum Qualification: Tertiary BCom Qualification, Preferably in Economics, Accounting, Financial Management or Risk Management.
Preferred Qualification: CA (SA)/CFA, BCom Honours.
Experience: 5 Years banking experience, with at least 3 years managing a portfolio of bankers with an individual credit mandate.
Strong judgemental credit experience, exposure to Agriculture clients will be beneficial.
Demonstrated ability to build and maintain stakeholder relationships across segments.
You will have access to:
Opportunities to network and collaborate
A challenging working environment
Opportunities to innovate
End Date: July 8, 2026
