Data Scientist –Centurion– R500k up to R700k per annum

The Credit Manager is responsible for managing and making decisions on the credit assessment processes, making recommendations on the granting of credit on all applications received from Corporate Banking and Structured Investment for final approval for new and existing facilities.

Collectively approve loans and credit limits under delegated authority within the Regional Credit Committee (RCC), and review transactions for recommendation within delegated authority mandate.

Prepare credit executive summaries and present to Lending Committees (PCC, ECC, CIC & Full Board) with clear recommendations, including conditions of approval and financial covenants to manage risk.

Decline transactions that are not bankable applications before escalation to the relevant committees.

Provide bankable solutions to Corporate Banking and Structured Investments (CB&SI).

Manage and mitigate potential risks for the Bank within the approved mandate and acceptable risk appetite in accordance with the approved Credit Policy by reviewing deals and providing appropriate and bankable structures to suit both the Bank and Client, proposing more risk-effective deal structures if necessary.

Ensure that relevant management information is captured to produce the CROM report and ERCO report.

Manage Credit Committee processes and policies, guiding the chairperson and other committee members.

Manage Credit and Investment Committee processes in conjunction with the Board Secretariat.

Manage the PCC & ECC records (attendance register and declarations, agenda, minutes, decision forms, risk ratings) and ensure the safekeeping of all PCC, ECC, CIC, and Full Board decisions to adhere to governance procedures.

Actively provide input in the review and improvement of the Credit Policy and Procedures to enhance and ensure that legal and business requirements are met.

Effectively liaise, advise, and communicate with relevant stakeholders within the Land Bank to address performance gaps and variances in the credit evaluation process and guide business on the types of deals selected and presented.

Manage, control, and authorize tasks performed by Credit Analysts.

Coach and guide Credit Analysts and manage their performance.

Preferred Minimum Education and Experience

• A relevant 3-4 year qualification in Commerce, Agricultural Economics, or Accounting degree
• 6-8 years of credit granting experience in corporate banking and structured investments business
• Proficiency in Microsoft Office
• Knowledge/Experience of compliance systems/tools
• Compliance Management Principles
• Knowledge of compliance-related legislation
• Knowledge of business and credit principles
• Knowledge of primary and secondary agriculture sector finance
• Experience in appraisal of credit proposals for business/corporate lending and deal structuring