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SOUTH AFRICAN POST OFFICE (SAPO)
 
RE-ADVERTISEMENT INTERNAL & EXTERNAL
 
Job Title - Manager: Credit Applications and Assessments (L5/6)
(Position based in Pretoria, NPC)
Reports to - Senior Manager: Lending
 
Summation
Responsible for development, implementation and management of the Lending Department Applications and Assessments capacity – policy, process, people and systems. Responsible for the overall continual reduction in total Applications and Assessments processing time, grow the credit portfolio within prudent risk and policy, focused at customer experience to increase Lending business profits.
 
 
Key Responsibilities
• Responsible for Credit Lending Policy, strategy, Applications and Assessment process and procedure, people and systems for the whole unit
• Responsible for attaining targeted portfolio growth, delinquency and loss ratios, conformity to credit legislations and frameworks and compliance with regulatory and reporting requirements for all credit activities. Where external service providers are used for credit applications and assessment processes, to manage performance, relations, efficiency and reporting requirements
• Accountable for a low cost Applications and Assessment unit. To provide a meaningful, good quality departmental reporting to management and Credit Committee and similar
• Provide significant oversight and leadership directed towards entire credit assessments and granting process, the consistent application of credit policy, periodic credit reviews of existing customers, and the assessment of the creditworthiness of potential customers, with the goal of optimizing the mix of Lending business portfolio growth and impairments
• To manage the Applications and Assessments staff, including their performance objectives/ targets, identifying training needs and motivating for relevant training, and providing mentorship where appropriate
• Manage stakeholder relations across the Banking environment through communication and promotional strategies aimed at establishing collaborative partnerships and synergies with stakeholders to develop tools and mechanisms to define benchmarks, inform approaches and address common needs
• Ensure that all Audit/ Board Committee/ Regulatory bodies’ Applications and Assessments findings are resolved speedily to ensure effective governance and sound management of the Lending Business.
• Ensure the efficient management, control, compliance and reporting of the function in accordance with the stipulations of the Postbank Board, Board Sub-Committees, National Credit Regulator, SARB, company specific policies and regulations, national legislation, Operational and Credit risk management principles, Delegation of authority, etc.
 
Minimum Requirements
• A degree in Credit and /or Business Management (NQF7). A postgraduate qualification (NQF 8) will be an advantage.
• An extensive credit experience in a relevant credit environment, with 5 - 8 years technical experience. Minimum 3 years management experience (i.e. a credit granting company, retail credit granting or banking credit sector specifically with unsecured lending market experience)
 
 
Knowledge and understanding of:
• National Credit Act (Amendments and Regulations), FAIS Act, POPI Act, Postbank Act, FIC Act, Banks Act, Credit assessment strategies, policy, procedures, related legal issues, Credit industry best practice from a decentralized model and a working knowledge of the legal actions, Proficiency in credit assessment software applications e.g. pre-screening and application scorecards, Strategic process enhancement.
 
Skills and Attributes
• People management skills, Stakeholder management and Relationship building, Conflict resolution and/or mediation skills, Influencing and Negotiation skills, Financial Management skills, i.e. budgeting, cost benefit analysis and business case development, Advanced verbal and written communication, presentation and selling skills, Conceptualisation and integration skills, Decision making skills, Change management, Analytical Thinking and Research skills, Ability to analyse complex problem situations and design effective remedial solutions, Planning, coordination & implementation skills, Accurate numerical computations, analytical and overall quantitative skills, Developing and delivering business strategy (e.g. Turnaround Strategy)
• Strategic Thinking, Customer and Client Orientation, Passion, enthusiasm and ability to motivate others, High level of Integrity, Strong sense of Ethics and fairness, Learning Agility, Initiative, Creativity and Innovation, Critical Thinking, Cross Cultural Awareness and sensitivity, Resilience, High level of Emotional Intelligence.
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Contacts
The South African Postbank SOC Limited is committed to the achievement and maintenance of diversity and equity in employment, especially with regard to race, gender and disability. In compliance with the banks employment equity plans, first preference will be given to candidates from designated groups. Correspondence will be limited to short listed candidates only.
 
If you wish to apply, please forward your Curriculum Vitae (CV) to recruitment@postbank.co.za.
Please indicate in the subject line the position you are applying for. 

Closing date: 12 June 2020
 
Position number: 60064776
 
Cost Centre: 50800
 
If you do not hear from the South African Postbank SOC Limited or its Agent within 3 months of this advertisement, please accept that your application has been unsuccessful. 
 
The South African Postbank SOC Limited reserves the right not to fill the positions or to re-advertise the positions at any time.