Credit Origination Manager (JB6146)

Credit Origination Manager (JB6146)
De Bron, Cape Town
R800 000 to R1 032 000 per annum CTC
Permanent

An established financial services organisation specialising in commercial funding solutions is looking for an experienced Credit Origination Manager to lead and optimise its credit origination and operational functions. The role is responsible for overseeing the end-to-end credit application process, ensuring efficient workflows, maintaining service delivery standards, driving operational excellence, and supporting business growth through continuous improvement initiatives. The successful candidate will lead and develop teams within a fast-paced, target-driven environment while ensuring adherence to operational controls, quality standards, credit policies, and performance expectations.

This position requires a strong people leader with extensive experience within commercial lending, credit assessment, credit operations, or financial services environments. The successful individual will be responsible for managing productivity, workflow, quality assurance, stakeholder relationships, training programmes, graduate development initiatives, credit processes, and operational performance while driving accountability, customer service excellence, and sound credit decision-making across the department.

Minimum Requirements:
BCom Degree with 3rd Year Accountancy (Non-Negotiable)
Honours Degree in Finance, Accounting, Commerce, or related qualification advantageous
Minimum 5 years’ solid people management experience managing a team of at least 8 employees
5–7 years’ experience within the financial services, commercial lending, business funding, or credit environment
Experience with loan administration and credit origination processes
Strong understanding of accounting principles and banking applications/software
Strong financial and accounting skills
Ability to analyse and interpret Annual Financial Statements (AFS), Management Accounts, historical trends, projections, cash flow information, and business performance indicators
Knowledge of commercial credit products, lending procedures, and market trends
Understanding of the full credit life cycle, including collections
Advanced Microsoft Excel skills including Pivot Tables and Lookups
Strong analytical and critical thinking skills
Excellent attention to detail
Strong interpersonal and relationship management skills
Customer service orientated
Strong time management and multitasking abilities
Effective problem-solving skills
Strong business acumen
Ability to lead, coach, mentor, and develop teams
Ability to work effectively in a demanding, target-driven environment
Key Competencies
Deciding and Initiating Action
Leading and Supervising
Working with People
Analysing
Planning and Organising
Delivering Results and Meeting Customer Expectations
Adapting and Responding to Change

Duties and Responsibilities:
Lead and manage the credit origination and operational functions, ensuring efficient processing of applications and adherence to service level standards
Prepare and oversee monthly audit and quality assurance reports
Establish KPIs for new and existing roles and monitor team performance against agreed targets
Monitor individual and team quality performance and communicate review outcomes
Provide structured feedback and drive continuous improvement in work quality and customer service delivery
Drive continuous process improvement initiatives across the department
Support change management projects and operational enhancements
Maintain and enforce compliance with Standard Operating Procedures (SOPs)
Implement new SOPs for products, processes, and system changes
Manage operational templates and documentation
Escalate and resolve system and process-related issues where required
Monitor operational communication channels and service levels to ensure business continuity and service excellence
Oversee Information Boxes, Client Support Boxes, Partnership Application Processes, DBC Error Boxes, Connect Statements Boxes, WhatsApp Channels, and Telephone Lines
Monitor workflow, work-in-progress, and operational capacity
Implement corrective actions where performance standards are not achieved
Resolve operational exceptions and bottlenecks
Review workload distribution and support resource planning
Maintain strong relationships with Business Development teams and internal stakeholders
Provide affiliate and application status updates where required
Prioritise applications and expedite high-priority transactions while maintaining quality standards
Manage workflow from application through to disbursement
Lead, manage, coach, mentor, and develop team members
Conduct performance reviews, feedback sessions, team meetings, onboarding, and probation management
Ensure appropriate staffing levels, accountability, service excellence, and alignment with company values
Design and deliver induction and technical training programmes
Conduct onboarding reviews and performance assessments
Provide training on loan application analysis, financial assessment principles, Annual Financial Statements, Management Accounts, SARS requirements, and high-value applications
Drive continuous employee development initiatives
Manage graduate induction and onboarding programmes
Oversee graduate development and the three-month onboarding journey
Conduct progress reviews and provide ongoing mentoring and development support
Review competitor interest rate comparisons
Prepare motivations for reduced interest rate approval requests

Please do not apply using Scanned CVs, no supporting documentation is required at this point, this will be requested later.

Kontak Recruitment Disclaimer:
Equal opportunity: All backgrounds are welcomed, with no bias. All are considered based on requirements.
Job specifics: Requirements mirror advertisement, duties may adjust for client needs.
Fair process: Fair assessment, only shortlisted candidates contacted due to volume.
Privacy: Data processed as per Privacy Policy. By applying, you agree to data handling. We safeguard applicant info.
Candidate verification: Candidates selected by the client are verified. False info may disqualify or end employment via the client.
Offer clarity: Advert is not a binding offer. Written offers based on pre-employment conditions.
No direct link: Advert is not tied to Kontak Recruitment. We assist in the employment process ONLY.
Applicant Responsibility: Upon applying, confirmation of receipt for a specific advert is given. If no confirmation is received, you must verify with Kontak Recruitment.

---