Commercial Credit Specialist at WesBank

Job Description

To make informed credit decisions within a prescribed mandate. This role entails considered evaluation of applicant financials, credibility, stability, security and business case viability, and demands prudent discretionary judgement regarding deal assessment. The Commercial Credit Specialist is required to work collaboratively and as such, must be a strong team player

Hello Future Commercial Credit Specialist

Welcome to Wesbank, the home of the #changeables. We design for the shapeshifters and deliver products and services that make us incredibly proud of people that make it happen.

As part of our talent team in WB Motor Regional Sales - Gauteng Region , you will be surrounded by unique talents, diverse minds, and an adaptable environment that lives up to the promise of staying curious. Now’s the time to imagine your potential in a team where experts come together and ignite effective change.

Are you someone who can:

• Deliver against operational and cost targets
• Prioritise resource allocation to minimize and reduce wastage
• Monitor costs for the financial year according to the operational plan
• Allocates and approves expenditure Review cost reports and resolves or explains variances to the budget
• Identify, control and escalate potential risks that may lead to increased costs
• Manage costs or expenses within approved budget to achieve cost efficiencies
• Build relationships that allow for the managing of expectations; the sharing of knowledge and diverse insights; and the creation of buy-in Engage in cross-functional relationships to obtain and to provide work support
• Deliver customer experience excellence aligned to Organizational values and service standards Build professional long-term relationships with customers based on trust that builds the brand
• Collect and interrogate information and feedback to ensure full understanding of customer needs to deliver a quality service
• Deliver service that exceeds customer expectations through proactive, innovative and appropriate solution selection and application
• Provide customers with relevant information to keep them informed of products and service options
• Ensure full understanding of customer needs to deliver a quality service Ensure customer service solutions are aligned to the business operational plan; Organizational values and service standards
• Communicate how customer service solution will be implemented and secures buy-in
• Ensure product knowledge and advice is technically accurate and provide customers with relevant information to keep them informed of products and service options
• Ensure resolution of customer queries and complaints timeously and ownership of issues
• Analyse customer feedback to help improve customer service Propose ideas to improve customer service
• Promote teamwork and inclusivity amongst team members and demonstrates behaviours that respect diversity
• Partner and collaborate with team members to achieve team success Share information and knowledge that benefits the team
• Assess own performance against competencies and skills required delivery Identify development needs and select effective solutions to address own development need
• Prepare a personal development plan with management to implement and review as required
• Monitor own progress against development plan and measure impact of results

You will be an ideal candidate if you:

Minimum Qualification - Matric

Preferred Qualification - Finance, Accounting , Economics or a related field Experience - Three to Five years : Commercial Credit Specialist or similar role

You will have access to:

• Opportunities to network and collaborate
• A challenging working environment
• Opportunities to innovate

We can be a match if you are:

• Adaptable and curious
• Analyse complex data sets
• Thrive in a collaborative environment