Lending Supervisor (SME Finance)

SUMMARY:
Ready to make an impact in the SME funding space? If you have a strong credit risk background and a passion for supporting growing businesses, we'd love to hear from you.

POSITION INFO:
Are you passionate about supporting growing businesses while managing credit risk in a fast-paced lending environment? We are looking for an experienced Lending Supervisor to join a dynamic finance team in Midrand.

This role is ideal for a commercially minded credit professional with strong experience in SME lending, credit risk assessment, purchase order funding, invoice discounting, and loan portfolio management.

Key Responsibilities:

• Review, assess, approve and process SME lending applications in line with credit policies and risk appetite.
• Conduct detailed credit risk assessments on small and medium-sized enterprises, including financial analysis, affordability assessments, and business viability evaluations.
• Evaluate and manage funding facilities such as purchase order financing and invoice discounting.
• Monitor and manage the performance of the loan portfolio post-disbursement.
• Proactively oversee collections, arrears management, and recovery processes to minimise credit losses.
• Identify early warning signs of portfolio deterioration and implement corrective actions.
• Ensure all lending activities comply with regulatory requirements, internal policies, and governance frameworks.
• Prepare and present accurate lending, portfolio, collections, and risk reports to management.
• Maintain high standards of documentation, record keeping, and audit readiness.
• Supervise and support lending operations while driving continuous process improvements.
• Collaborate with internal stakeholders to ensure efficient loan administration and customer service delivery.

• Degree or Diploma in Finance, Accounting, Banking, Risk Management, or a related field.
• Minimum 4–6 years' experience within SME lending, business finance, commercial credit, or asset-based lending.
• Strong understanding of credit risk assessment for SMEs and business lending products.
• Proven experience with purchase order funding and invoice discounting facilities.
• Experience managing loan portfolios, collections, arrears, and recoveries.
• Strong knowledge of lending regulations, compliance requirements, and credit governance.
• Advanced Microsoft Excel skills, including reporting, analysis, and data interpretation.
• Excellent analytical, decision-making, and problem-solving abilities.
• Strong communication and stakeholder management skills.