Senior Credit Manager - Agricultural

SUMMARY:
Are you a strategic thinker with deep credit risk expertise and a passion for responsible lending? We’re looking for a Manager: Credit Evaluations to play a pivotal role in credit decision-making, portfolio risk management, and client partnership across a diverse suite of lending products, including business, trade, agriculture, and commercial finance.

POSITION INFO:
Manager: Credit Evaluations

Key Responsibilities:

• Evaluate and approve business credit applications using sound financial principles and regulatory frameworks.
• Conduct detailed financial analyses, cash flow forecasting, and affordability assessments.
• Partner with business teams to identify growth opportunities aligned with risk appetite.
• Attend client visits (virtual or in-person) to gain deep insights into business operations and funding needs.
• Define facility conditions and mitigate risk through appropriate structuring.
• Guide and mentor junior team members and support cross-skilling.
• Provide proactive, expert credit advice to internal stakeholders.

• A BCom Degree in Finance, Accounting, or a related field.
• 5–7 years’ experience in business credit evaluation within banking or agricultural sectors.
• Proficiency in interpreting financial statements, understanding collateral structures, and knowledge of legalities in credit lending.
• Strong command of the National Credit Act and other relevant regulatory frameworks.

• Analytical decision-making and financial insight
• Relationship-building with cross-functional teams and clients
• Effective communication and documentation
• Upholding governance and credit principles under pressure
• Proactive, process-improvement mindset