Business Judgemental Credit Manager
Core
Evaluate, manage, and approve complex credit risk by providing advice and recommendations to internal stakeholders through the implementation of group credit mandates and risk frameworks.
Role type
Senior IC business judgemental credit manager
Builds
Credit facilities and risk mitigation strategies for banking clients
Domain
Banking / Credit Risk
Deliverable
production ML models | product features | dashboards & analysis | research | client delivery | infrastructure | physical/clinical work
Required skills
Credit risk assessment, Financial statement analysis, Cash flow analysis, Industry-specific risk understanding, Macroeconomic analysis, Financial ratio analysis, Borrower repayment capacity assessment, Credit decision-making, Credit facility structuring, Regulatory compliance knowledge, Portfolio management, Problem account restructuring, Ethical decision-making
Preferred skills
CA (SA)/CFA certification, BCom Honours, Agriculture sector exposure
Technologies
Basel III, IFRS 9
Responsibilities
Analyze complex financial statements and cash flows, Assess borrower repayment capacity and financial health, Approve or decline credit applications, Structure credit facilities to mitigate risk, Ensure credit decisions comply with internal policies and external legal requirements, Monitor and manage a portfolio of credit exposures
Seniority
Senior, hands-on IC