Business Segment: Business&Commercial Banking Location: ZA, Gauteng, Centurion, Centurion Central, To lead, develop and manage credit evaluation and credit risk management teams in support of Business, Agric, Entrepreneur and Enterprise segments (“the Segments”) asset growth targets for a Super Catchment or Catchments within a province. To comprehensively manage the credit risk of the lending portfolio of “the Segments” for the Super Catchment or Catchments, specifically in respect of originations, assessment of credit risk, sanctions, credit risk management, account maintenance and distressed and high-risk accounts in keeping with the PBB credit policies, guidelines and risk appetite. Supports and proactively leads the team to support business partners and ecosystem methodology in understanding and meeting client lending needs, ultimately supporting the Universal Financial Services Organisation aspiration. Tohave overall responsibility for a designated Segment and to champion/sponsor all strategies and processes related thereto. Ensures that credit evaluation processes and good quality of decisions are executed effectively in “the Segments” credit teams, within the parameters of the relevant individual product policies and/or multiple product policy. Responsible for inspiring, leading and managing the team. Qualifications Minimum Qualifications Type of Qualification: Degree Field of Study: Business Commerce Other Minimum Qualifications,Business/Legal or Credit degree or similar qualification Experience Required Risk Management Credit Evaluations More than 10+ years of experience inCredit evaluations experience, preferably across Business, Entrepreneur, Agric and Personal segments. Deep understanding of credit principles and financial statements, particularly as relates to Business Lending. Understanding of collateral, credit risk and collections processes. Previous experience in managing a team responsible for the account management of a lending portfolio from a risk/credit perspective. Previous people management experience. Previous Agri credit experience and/or Structured and Specialised Lending credit experience is an advantage Additional Information Making Decisions Analysing Solutions Developing Relationships Coping with Pressure Taking Action Interpretation and Execution Legal Principles – Collateral and recovery processes #J-18808-Ljbffr