3 jobs found in bloemfontein

Introduction Main purpose of the job To develop academic material and lecture in allocated subjects for own and other programmes, to engage in research activities and to execute appropriate community projects Specification Main tasks 1. Teaching, learning & assessment 2. Student evaluation 3. Research 4. Administration 5. Control and organisation 6. Community service Subject field(s) Commercial Subjects Research Nature of appointmentPermanent academic Minimum salary scale (Total Cost to Company) R840 282 (Associate Professor) R996 421 (Professor) Requirements Minimum Qualification/ Knowledge & Experience To be appointed as Associate Professor: A relevant Doctorate level degree (i.e. D Tech / PhD/ NQF 10 or equivalent) At least six years' teaching / lecturing experience in the relevant subject field Evidence of research output, post-graduate supervision and presentations at national and international conference in line with CUT's promotion requirements which requires: o3.0 credit units at Senior Lecturer level or 4.5 cumulative credit units (books, chapters in books, articles in accredited journals, papers published in peer-reviewed conference proceedings, patents, etc.) oThree completed master's degrees as main supervisor; OR two completed doctorates (as main supervisor) at Senior Lecturer level OR Four completed master's degrees OR Three cumulative completed doctorates (as main supervisor) OR At least one completed master's degree (as main supervisor) and at least 9.0 cumulative credit units oTen cumulative presentations/papers at conferences, of which at least three cumulative presentations/posters at an international conference oLead/manage at least one research project Minimum Qualification/ Knowledge & ExperienceTo be appointed as Professor: A relevant Doctorate level degree (i.e. D Tech / PhD/ NQF 10 or equivalent) At least eight years' teaching / lecturing experience in the relevant subject field Evidence of research output, post-graduate supervision and presentations at national and international conference in line with CUT's promotion requirements which requires: o4.5 credit units at Associate Professor level or 9.0 cumulative credit units (books, chapters in books, articles in accredited journals, papers published in peer-reviewed conference proceedings, patents, etc.) oTwo completed master's degrees and two completed doctorates (as main supervisor or promoter) at Associate Professor level OR Six completed master's degrees and five cumulative completed doctorates (as main supervisor or promoter) OR At least one completed master's degree (as main supervisor) and one completed doctorate (as main supervisor) and at least 18.0 cumulative credit units oNineteen cumulative presentations/papers at conferences, of which at least six cumulative presentations/posters at an international conference oLead/manage an externally funded research project oInvolvement as an editor/reviewer/external examiner Terms and Conditions Candidates will be recruited and appointed in accordance with the Employment Equity and Affirmative Action Programmes of the Central University of Technology, Free State. The Central University of Technology, Free State reserves the right to conduct/employ a third party to conduct a background investigation in respect of all short-listed candidates. Correspondence will be limited to short listed candidates only. If you haven't received feedback in four weeks, consider your application not shortlisted. The Central University of Technology, Free State reserves the right not to make an appointment in the advertised post and/or to appoint other suitable persons recruited by means other than this advertisement. Appointment, either on a permanent or contract basis, will be negotiated with the successful candidate.

Introduction Main purpose of the job To develop academic material and lecture in allocated subjects for own and other programmes and to execute appropriate community projects Specification Main tasks 1. Teaching, learning & assessment 2. Student evaluation 3. Research 4. Administration 5. Control and organisation 6. Community service Subject field(s) Programming in C# and Java Digital Literature including (Operating Systems, Ms Word, Ms Excel, Ms Powerpoint and MS Access) Note: This post is part of the "New Generation of Academics"- programme (nGAP) in the second phase of the "Staffing South Africa's Universities Framework" (SSAUF) Nature of appointmentPermanent academic Minimum salary scale (Total Cost to Company)R576 761 per annum Requirements Minimum Qualification/ Knowledge and/or Experience A relevant Master's-level degree (i.e. M Tech/MSc/NQF 9 or equivalent) in IT, computer science or Information Systems An average of 70% or above in the highest degree At least two years' teaching/lecturing/industry experience relevant to the subject fields Desired Qualification, Knowledge and/or Experience Evidence of progress towards a Doctorate degree Any acknowledged publication, research, innovation or creative output Terms and Conditions Candidates will be recruited and appointed in accordance with the Employment Equity and Affirmative Action Programmes of the Central University of Technology, Free State. The Central University of Technology, Free State reserves the right to conduct/employ a third party to conduct a background investigation in respect of all short-listed candidates. Correspondence will be limited to short listed candidates only. If you haven't received feedback in four weeks, consider your application not shortlisted. The Central University of Technology, Free State reserves the right not to make an appointment in the advertised post and/or to appoint other suitable persons recruited by means other than this advertisement. Appointment, either on a permanent or contract basis, will be negotiated with the successful candidate.

Job Details Risk Management: understanding all risks - from the economic to the political - that could affect our global business, and offering guidance to all parts of the bank Job Purpose Assessment and evaluation of lending applications for clients (individuals and businesses) based on sound credit risk and affordability assessments, financial principles and credit policies which will support growth of the asset book of the bank and manage credit losses by ensuring sound lending credit principles are applied at all times and that lending is within the Bank's risk appetite parameters. This will include the spectrum of lending products available to all segments of clients including Personal, Lifestyle, Business, Agri and Entrepreneur, including specialised lending, trade finance, debtors finance, commercial property finance, agriculture and others. Support business partners in understanding and meeting client lending needs. The jobholder may operate in one or more of the segments as required by business needs Key Responsibilities/Accountabilities Credit evaluations: Obtains and assesses client and financial information, including cash flows and cash flow forecasts, with a view to understanding the current debt levels and repayment requirements as relates to different products, segments and banks. Makes prudent credit decisions on lending applications and authority sought requests within the parameters of the relevant individual product policies and/or multiple product policy, relevant regulatory requirements such as the National Credit Act and sound financial principles. Determines the best possible lending solution for the client and the Bank. Proactively highlights opportunities for asset growth in line with ecosystem philosophy & sound credit risk principles Adheres to Before sunset service” in order to deliver excellent client experience. Considers the requirement for collateral, guarantees, pre-conditions, post-conditions and covenants, dependant on the segment. Ensures correctness of information on which decision is being made. Obtains additional inputs from specialists where required. Performs annual reviews as required by policy timeously Performs and/or validates credit risk ratings on clients / businesses Engages Business to understand client requests, their business, financials and potential collateral available. Ensures that decisions are timeously made, minimising reworks as far as possible. Proactively follows up on matters which have been reworked or awaiting information from clients. Prepares motivations and recommendations for applications falling outside the delegated authority and presents this to appropriate authority levels. Adheres to business rules while still applying sustainable intuitive solutions. Within bounds of risk consciousness motivates for exceptions to business rules and policies where appropriate. Correctly applies legislative requirements such as the National Credit Act Displays a good understanding of legal principles in setting conditions and agreeing to amendments to agreements and conditions, ensuring the Bank is protected and risks are mitigated. Understands industry, regulatory and business risks (such as BEE, high risk industries etc) which will impact the financial health of a client and their ability to repay. Considers and provides input on appropriate risk / reward in respect of facilities and risk groups Issues 23236 forms/letters with conditions stated clearly and correctly Measures: Adherence to SLAs Decline triggers Rework targets Overdue Annual review triggers Adherence to business rules and risk appetite Adherence to Delegated Authority Maintain an acceptable hind-sighting error rate Stakeholder feedback iro Solution orientation Complaints received and appropriately resolved NPL and Early Arrears (Stage 2 & 3) Credit Loss ratios and Bad rates Client Engagement: Attends client visits to understand clients and their businesses. Client engagements may be in person or telephonic. Supports business to understand clients and whether lending opportunities fall within risk appetite Performs regular suite and/or CST visits Participates in round table discussions as required Visits watchlist clients as required in support of Business, Support and recoveries teams. Visits high value clients in area they support. Supports and participates in ecosystem meetings and discussions. Measures: Client visit targets Stakeholder feedback from Business Credit Risk and Account Management: Stipulates conditions for facilities bearing credit risk policies and processes in mind. Displays a good understanding the credit risk management environment. Supports the Credit Risk team as required to ensure performance of their responsibilities. Pro-actively identifies opportunities to improve processes and systems within the business unit to enhance risk management and efficiencies. Manages and resolves complaints within agreed time frames and provides feedback to all key stakeholders and customers on progress during the resolution process. Refers suspected fraudulent accounts to the Fraud Department for investigation. Action daily Referral reports before cut off (11am) Proactively manages Watchlist clients in collaboration with relationship manager and Credit Risk. Identifies clients where risk has changed and management is required on the Monitoring and/or watchlist. Adds all expired Temporary Excesses which have not been rectified timeously to the Monitoring List. Supports Credit Risk and/or Debt Care team as regards clients on the Watchlist /CRC schedules as per processes Measure: Team / stakeholder feedback Customer complaints resolved timeously Hindsighting of conditions set in approvals % of watchlist clients that return to Performing category (Stage1) Training and mentoring : Assists with training new staff as and when required and cross skilling of existing staff. Provides credit guidance and advice to business through the sharing of knowledge, coaching and assistance in improving the understanding and quality of credit risk Attends and learns from additional training to enhance credit skills and acquire skill across different segments and products, as required Measures: Feedback from stakeholders and team Achievement of new DAs or cross skilling goals as required by business needs Management information: Provides input as required for various reports and portfolio management Measure: Stakeholder feedback Stakeholder management: Builds and maintains relationships within the broader credit team and business stakeholders. Acts as a partner to business in unlocking ecosystem & other client opportunities to support the achievement of asset growth within the bounds of responsible credit risk management and set risk appetite. Ensures that service is provided to the satisfaction of all stakeholders in terms of service level agreement. Attends business and team connect sessions, ecosystem and squad meetings Visits and works from branches, suites and CST sites to ensure availability to perform Credit Evaluation, Client Engagement and Training/Mentoring outputs as per above. Measure: Stakeholder feedback Attendance and participation at meetings Project management : Participates in projects and any ad-hoc functions, including training of staff. Measure: Projects completed within SLA's and expected outcomes Preferred Qualification and Experience Minimum Qualification: First Degree-Field of study: Finance and Accounting B/Comm Accounting or Financial Management Degree or Credit Diploma or other relevant credit training Credit Risk Management: 5-7 Years Experience in intuitive credit assessment and decisioning in relevant segment and products (i.e. across business, entrepreneur, lifestyle and personal). Thorough knowledge and understanding of financial statements. Knowledge and understanding of repayment structures, collateral and collection processes within the banking environment. Understanding of legalities associated with lending and collateral. Knowledge/Technical Skills/Expertise Computer Literacy Risk Principles Legal Principles - Collateral Credit Granting