CREDIT MANAGER

Financial (20%)

• Absolute adherence to the signed-off Process and Procedure Manual, T24 Manual, or formally escalate any gaps noted to the line Manager and IT before inputting any data into the live system and before resolution confirmation.
• Ensures that there are no losses on income streams by accurately collecting facility fees, commissions and other charges as per approval as contained in the system.
• Put a mechanism in place for completeness of revenue collection on all manual processes within credit operations.
• Product support and risk monitoring on credit operations.
• Ensure effective incident reporting on lapses & closure as recommended by risk to avoid any exposure within credit operations.

Internal business processes (50%)

• Effectively implement appropriate process mechanisms in credit operations to ensure that transaction processing is handled in a timely and efficient manner and that all elements of operational risk, e.g., fraud, are followed up on by  Audit.
• Consistency in adherence to and effective application of established credit administration systems (policies, processes, and tools) to achieve optimal compliance, efficiency and cost containment.
• Ensure the quality of credit documentation, specifically facility offer letters in line with the approved credit application, credit policies and procedures, prudential guidelines and other relevant legislation.
• Review that protection of assets pledged as collateral for facilities is ensured by regular update/review/renewal of pertinent insurance policies
• Work closely with the departmental Teams to ensure all manual processes within the units are enhanced or automated to improve efficiency and turnaround time.
• Drive risk management process with the units and ensure it’s robust & ensure usage & escalation of any issue arising with procedure reviews.
• Ensure that the departmental Business Continuity /Disaster Recovery Plan (BCP/DRP) document is up to date and proper signs off done with clear process direction.

Customer (15%)

• Track and ensure Customer Operational Issues emanating from Credit Operations Unit are resolved within the stipulated turnaround time or escalated accordingly.
• Sensitise the team to adhere to the department SLAs & TAT and resolution of customers’ queries & complaints promptly.
• Enhance smooth but professional working relationships with other departments including Customer Experience, Corporate, Retail, Credit Risk & other operational units to improve Customer relations.
• Identify areas of potential risk in the department that could compromise customer confidential information.
• Set and maintain service management processes within the departments to ensure delivery at set times as per SLAs for both internal & external customers.

Learning and growth (15%)

• Entrench the culture of adhering to policies and procedures across the trade operations units
• Identify areas of focus and strengthening of staff and recommend competency improvement through coaching and training appropriately.
• Track Operational risk issues related to the management and running of the units and their related functions and submit the departmental Operational risk register as needed.
• Ensure relevant documentation relating to processes and procedures is in place and reviewed regularly to adhere to the standard set by compliance and other internal and external regulatory bodies.
• Manage direct and indirect reports and ensure the team objectives are set and met promptly through effective leadership, motivation and mentorship, with continuous coaching and feedback to direct reports.

How to Apply:

All applications will be received and reviewed through the BrighterMonday Portal by clicking on the 'Apply Here' section