Tips for Application Success:

1. ["In my experience..."] Tailor Your Resume: Highlight any experience you have in credit and retail, especially at a managerial level. A well-structured CV is important; list your roles and duties in previous employment that align directly with the tasks required for this role.

2. "Your Cover Letter Matters": Your cover letter should demonstrate manageriality, business development, analytical and research skills, lending processes, and debt recovery knowledge. Use examples from your career that establish you as a problem solver.

3. "Everyone appreciates Effort": It would be beneficial to showcase how you've previously influenced strategy creation and communicated about business priorities to stakeholders in your previous roles.

4. "Demonstrated Task Ownership shows Maturity": The job requires ensuring compliance with various policies and procedures- demonstrate the times you've demonstrated this sort of task ownership in your previous roles.

5. "Maintain Relevance": Prepare for potential interviews by equipping yourself with a working knowledge of the regulatory requirements affecting credit policies that the bank needs to adhere to.

Attention Points From The Listing:

1. "Deadlines Matter": The deadline for application submission is 20th October 2023; applicants must take note and meet this deadline.

2. "Guidelines are there for a reason": Applications should be sent through email with the position being applied for clearly indicated in the subject line.

3. "Check the Small Print": Applications should be accompanied by certified copies of academic and professional qualifications.

4. "Strive to Qualify": Prospective candidates must have a degree in a related field, with at least 10 years of professional experience, five of which should be at the managerial level.

5. "The Devil is in the Details": Take note of the importance placed on the aspects of training staff and sales management in your application.

Stand Out Methods:

1. "What I have noticed over time": It would be very compelling for applicants to include specific examples of how they achieved excellent results in past roles, specifically around metrics such as increased sales or superior team performance.

2. "In my experience...": Certified qualifications would place you a step ahead. Perhaps, consider getting specialized certifications in credit and retail or a Master's degree if feasible.

3. "Show them the Money": It's always recommended to demonstrate your business acumen and revenue generation strategies. Make sure you discuss your past strategies that lead to business growth in your previous roles.

Area For Novices To Consider:

1. "Never underestimate Paperwork": The role requires regular preparation of credit committee papers - novice candidates may overlook the importance of such administrative tasks.

2. "But it's just a Loan": The daily review and recommendation of all SMEs/Group and personal loans that are above the set lending limit is a crucial task. The crux of the role lies in credit and lending, its importance cannot be understated.

3. "A Team Player brings Home the Trophy": The job demands regular interaction with the bank's top executives which can be intimidating for new applicants without managerial experience. This is an important part of the job and should not be overlooked.