Jobs Career Advice Signup

Send this job to a friend


Did you notice an error or suspect this job is scam? Tell us.

  • Posted: May 21, 2021
    Deadline: Not specified
  • Capitec Bank is a South African commercial bank. As of February 2017 the bank was the third largest in South Africa with 120,000 customer opening new accounts per month. To simplify banking, we’ve developed an all-inclusive banking solution. Global One is the one solution that enables you to transact, save and access credit in realtime. We also believe...
    Read more about this company


    Senior Credit Manager - Business Bank

    Purpose Statement

    • To evaluate and manage the intuitive credit and associated risks within an allocated portfolio in a geographic region; effectively integrating and controlling the credit function by maintaining the quality of credit risks across the portfolio, minimizing the risk of loss through bad debts, while maximizing profits.
    • To interact with other areas of the bank, acting as a catalyst in driving changed initiatives in ensuring compliance within agreed risk parameters as set out in the changed strategy.


    • At least 8 -10 years banking experience, 5 of which in credit
    • Credit Management experience across business and commercial markets in the intuitive space as well as the scored lending environment
    • Working within the requirements of the National Credit Act and other relevant legislation
    • Significant experience in preparing and motivating Credit applications 


    • Experience of managing a portfolio of business customers with a service and financial analysis focus.

    Qualifications (Minimum)

    • Bachelor's Degree in Commerce or Credit Management

    Qualifications (Ideal or Preferred)

    • Honours Degree in Commerce or Credit Management


    • Business acumen
    • Risk management principles and processes
    • Project management methods and practices
    • Relationship building and management techniques 
    • Financial management
    • Customer relationship management (CRM) principles and techniques
    • Knowledge of competitor product offerings/ channels/ operational and marketing tactics. 
    • Credit principles and practices, including an understanding of credit application, securities 
    • Legal entities (companies, close corporations, sole proprietorships etc.) in the commercial market and the legislative restrictions and requirements governing these from a financial services perspective. 
    • Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA). 
    • Able to extract, analyse and apply CRM insights to influence the client management approach and strategy 


    • Products available and pricing structures
    • Current taxation laws as they apply to clients 
    • A good knowledge of administration processes and procedures pertaining to Business Banking transactions
    • Financial Modelling; financial analysis (evaluating and identifying trends), complex cash flow cycles (industry/ sector specific)


    • Analytical Skills
    • Attention to Detail
    • Communications Skills
    • Computer Literacy (MS Word, MS Excel, MS Outlook)
    • Interpersonal & Relationship management Skills
    • Negotiation skills
    • Numerical Reasoning skills
    • Planning, organising and coordination skills
    • Problem solving skills

    Additional Information

    • Clear criminal and credit record
    • Must meet the minimum requirements on psychometric assessments
    • A valid driver's license and own vehicle is preferred
    • Ability and willingness to work in an open plan environment
    • Willing and able to use own home as a formal office / base of operations (including space for ad hoc storage of paperwork, stock, etc.)

    Method of Application

    Interested and qualified? Go to Capitec Bank on to apply

    Note: Never pay for any training, certificate, assessment, or testing to the recruiter.

  • Send your application

    View All Vacancies at Capitec Bank Back To Home

Career Advice

INTO banner
View All Career Advice

Subscribe to Job Alert


Join our happy subscribers

Send your application through

YahoomailYahoomail GmailGmail Hotmail Hotmail