FINTECH (PTY) LTD
 www.fintech.co.za
JOB SPEC – CREDIT / DEAL ORIGINATION MANAGER
 
 
 
Job Function: Perform the full operational & management function of Credit Risk Assessment, through the development and maintenance of credit criteria, guidelines and credit score card, end to end process of deal origination process (back office administration) and the management of SLA’s.
 
Responsibilities:
  • Interact with stakeholders, shareholders, as well as major suppliers.
  • Research Industry profile and Historical norms, and recommend benchmarks to the credit committee.
  • Update guidelines.
  • Arrange approval / Communicate changes.
  • Interact with Sales and partners and establish benchmarks for service levels and turnaround times.
  • Review the turnaround times of deals.
  • Communicate and resolve problems/exceptions, with internal customers.
  • Review applications and interpret credit information.
  • Approve or Decline based on the Credit Guidelines and the eligibility criteria.
  • Define and communicate reporting staff Key Result Areas, review these and provide regular feedback.
  • Identify and maintain staff motivators for the department.
  • Communicate goals for the department and implement these goals, which contribute towards achieving the company’s goals.
  • Compile the monthly management statistics.
  • Set and control the Departments expense budgets.
  • Full Managerial functions.
 
Education:
  • Minimum – 3 year formal tertiary qualification.
  • CIAB, Credit qualification – advantageous.
 
Experience and Requirements:
  • 12 years experience, of which 7 years in a comparable position, as a Credit Manager (in a banking or similar environment) at a senior level, with the full end to end deal origination process (back office administration).
  • At least 2-3 years of strategy and design of credit policies and deal origination for transactions of terms 3 - 5 years.
  • Excellent command of the English language, with the ability to compile proficient written communication.
  • Exceptional interaction skills – personally and telephonically.
  • Professional typing skills (Speed, accuracy and layout).
  • Advanced skills in Microsoft Office suite – Outlook; Internet; Word; Excel & PowerPoint.
  • Planning and organisational skills.
  • Problem solving skills.
  • Ability to assess transactions and make recommendations with regards to the security, terms and conditions, structure of the transaction etc.
 
Qualities:
  • Attention to detail.
  • Proactive and able to take initiative.
  • Systematic approach to problem solving.
  • Analytical.
  • Quality driven.
  • Negotiation skills.
  • Leadership qualities.
 
Note: Selection process will include assessments