Credit Manager at Bidvest Bank

 PRIMARY PURPOSE

• The role is responsible for managing an assigned credit portfolio, ensuring the effective implementation and consistent application of credit policy, credit controls, risk management, and compliance with regulatory and organizational standards.
• The Credit Manager oversees the credit granting process to ensure sound credit decisions, the consistent application of credit policy, and the maintenance of a healthy and profitable lending portfolio that supports business growth while minimizing financial risk.

TECHNICAL COMPETENCY REQUIREMENT

•  Ability to evaluate borrower creditworthiness through financial, business, and risk analysis.
•  Skilled in interpreting financial statements, cash flow, and ratio analysis to support sound lending decisions.
•  Applies and enforces the bank’s credit policies, risk appetite, and lending standards consistently.
•  Understands key banking regulations (Basel III/IV, IFRS 9, AML/CFT, National Credit Act) and ensures compliance.
•  Monitors and manages loan portfolios to maintain asset quality and minimize credit losses.
•  Proficient in Corporate, Commercial, Business Banking, Trade Finance, and Forex credit products.
•  Evaluates adequacy and enforceability of collateral and ensures proper documentation.
•  Structures, assesses, and approves credit proposals within delegated authority, balancing risk and profitability.
•  Utilizes banking systems and credit tools effectively for analysis, monitoring, and reporting.
•  Identifies, restructures, and manages distressed accounts to minimize losses.
•  Prepares accurate reports on exposure, delinquency, and portfolio trends for management insight.
•  Aligns credit pricing with risk-adjusted returns and financial KPIs.
•  Leverages digital tools and analytics to improve credit assessment and decision efficiency.
•  Aligns credit decisions with the bank’s strategic objectives and profitability goals.
•  Ensures completeness, compliance, and enforceability of credit and loan documentation.

REQUIRED MINIMUM EDUCATION AND TRAINING

•  Bachelor’s degree in finance, Accounting, Economics, or Business Administration.

REQUIRED MINIMUM WORK EXPERIENCE

•  Minimum of 5–8 years’ experience in credit assessment, risk management, or portfolio management within a banking environment.
•  Strong understanding of Corporate, Commercial, Business Banking, and Trade Finance products.
•  In-depth knowledge of credit risk frameworks, financial analysis, and banking regulations.