Junior Credit Manager

SUMMARY:
Our client in the Automotive Industry is seeking a Junior Credit Manager from the Commercial Vehicle Manufacturing/Finance or Banking Industry (MFC). The position will be based in Sandton.

POSITION INFO:
Duties:

• Classifying commercial vehicle dealers based on business scale and risk status.
• Implementing tailored marketing strategies.
• Identifying and mitigating customer risks during contract signings or visits.
• Conducting prompt asset preservation activities for overdue loans.
• Analyzing financial reports of corporate customers and assessing repayment ability, profitability, and operational capability.
• Identifying potential risks in commercial vehicle customers' operation industries.
• Conducting detailed credit analysis covering financial, operational, collateral, shareholder, and industry aspects.
• Preparing credit papers for client facility adjustments and covenant breaches.
• Presenting requests to the board and Group credit committees.
• Engaging continuously with clients for monitoring, identifying credit stress, and assisting in recoveries while ensuring compliance and collaborating with stakeholders to manage credit risk effectively.
• Ensure compliance with rules and regulations of commercial vehicle retail business.
• Stay updated on national macroeconomic and financial environments and trends in the automotive financial industry.
• Familiarity with the Group's commercial vehicle products, local network layout, and operational model of commercial vehicle dealers and fleets.

• NCA certification advantageous
• Bachelor of Commerce degree in Finance, Accounting (Mandatory)
• 3+ years of lending or credit experience required
• Sound credit analysis experience required
• Commercial legal knowledge preferred
• Proficiency in Microsoft Word, Excel, PowerPoint, and other common office software.