Senior Credit Manager – CIBG South

The role involves conducting comprehensive due diligence on corporate credit proposals to ensure alignment with both internal policies and external regulatory requirements. The incumbent will be responsible for vigilant monitoring of the credit portfolio, which includes maintaining industry awareness, tracking overdue accounts, and engaging in client meetings to manage risk effectively.

Key Responsibilities

Develop and articulate the rationale behind lending propositions through a thorough due diligence process, supporting credit decision-making both independently and as part of the credit committee. Proactively monitor the overall corporate lending portfolio, with a particular focus on tracking overdue accounts and maintaining an accurate Obligor Risk Rating (ORR). Assist senior credit risk leadership, including the Head of Credit Risk and Chief Risk Officer, by providing detailed reviews and analyses of credit packages to facilitate informed and prudent decisions.

Conduct in-depth analysis based on feedback and reports from monitoring and risk review teams to enable proactive credit decision-making and accurate forecasting. Lead and mentor a team of risk analysts, fostering a collaborative environment focused on delivering sound credit decisions. Manage conflicts among stakeholders by identifying common ground that preserves business opportunities without compromising risk standards. Provide advisory input on risk management and recommend action plans to improve risk profiles and ensure acceptability.

Ensure the application of appropriate covenants in compliance with prevailing internal and external regulatory frameworks to guarantee smooth execution of credit contracts.

Required Qualifications

A Master’s degree in Business or Commerce is essential. Candidates should have a minimum of ten years of relevant experience in credit risk management or a related field.

Job-Specific Skills

Candidates must possess a strong understanding of regulatory frameworks and banking products. Market knowledge and the ability to make balanced, independent judgments are critical for assessing each credit proposal on its individual merits. Strong analytical and communication skills are required, along with expertise in financial and industry analysis.

This position demands a professional who can combine technical knowledge with leadership capabilities to maintain portfolio quality and support strategic credit decisions within a regulated environment.