Manager - Credit Risk - - Sandton

Key Performance Indicators for this KPA

Review credit Limit and transaction application and provide risk review opinions
Review credit rating applications and provide credit rating validations
Administer the Drawdown Centre process and procedure
Ensure the above complies with internal policies and procedure manuals
Ensure policy compliance
- Monitor counterparty and industry concentration risk
- Monitor credit limit expiry and credit limit renewal
- Monitor the monthly post lending reporting and issue risk review opinion
- Monitor annual review of loans and advances
- Monitor internal credit rating validity and credit rating renewal
- Monitor covenant compliance and adherence to legal agreements
- Monitor the risk classifications of loans and advances
On-going post lending monitoring
- Identify and evaluate significant increases in credit risk
- Measure the impact of adverse news, ESG risk, RAD triggers on assets / counterparties
- Trigger loan / asset risk classifications reviews
- Make risk-based recommendations for the various committee
Monitor Past Dues, Non-performing assets and report on the write off process of loans and advances
To be responsible for credit administrative functions for example confirmations for new drawdowns (and roll-overs) and covenant monitoring
Cooperate and collaborate with Front Office Departments to obtain condonations for breaches of any
policy requirements
Maintain the credit limit and credit rating expiry monitoring tool
Maintain the annual post lending monitoring tool and ensure annual reports are completed
Take responsibility for reminding Front Office Departments to follow up on exposures in excess
Cooperate and collaborate with Front Office Departments on roll-overs of interest period on loans and
advances are conducted