Business Judgemental Credit Manager

Overview

Job Description To evaluate, manage and approve credit risk within area of responsibility by providing appropriate recommendations and support to internal stakeholders through the implementation of group credit mandates, risk frameworks and methodologies.

Welcome to FNB, the home of the #changeables. We design for the shapeshifters and deliver products and services that make us incredibly proud of people that make it happen. As part of our team in FNB Commercial Credit in Bloemfontein, you will be surrounded by unique talents, diverse minds, and an adaptable environment that lives up to the p

• Manage respective portfolio within the banks risk appetite and asset growth budget and target; assess annual review and/or ad hoc requests of all counter parties within allocated portfolio and mandate structure
• Identify and manage credit risk at origination and on an ongoing basis
• Daily excess monitoring of counter parties in their portfolio
• Monthly/Quarterly/Bi-annual or Annual covenant compliance monitoring
• Conduct client visits with frontline sales representative as and when required
• Present to Credit Committees depending on mandate levels (e.g. Internal Credit Committee) as and when required
• Perform secretarial duties for Provincial Credit Committee as and when required
• Approve or recommend counter party exposure across multiple products (working capital facilities as well as specialised finance and term loans) for area of responsibility
• Assess and approve credit in terms of approved mandate to minimise credit risk to the business and manage the credit approval process
• Ensure average approval turnaround time against target to ensure retention of clients
• Provide recommendation to higher mandate holders
• Perform efficient management of credit portfolio, including expired limits, covenant monitoring, identification of early warning triggers, assisting with daily operational requirements
• Ensure effective workflow management within agreed SLA's
• Participate in planned activities that are appropriate for own development
• Develop, encourage and nurture collaborative relationships across area of specialisation
• Develop and manage key stakeholder relationships that enable achievement of operational objectives
• Drive customer service delivery goal achievement in line with predefined standards and in support of operational objectives
• Ensure compliance to legislative and audit requirements and adherence to relevant processes
• Maintain expert knowledge on relevant legislative amendments and industry best practices and provide advice to relevant stakeholders
• Maintain up to date knowledge of local and global trends

• You will be an ideal candidate if you:
  Have abstained a Bachelor of Commerce with Honours or CA or B Degree equivalent with Enterprise segment experience (Preferably 2-5 years minimum)

• Support the Account Executive by managing and administering a portfolio of clients including the application of an approval and ongoing quality risk management of the clients' credit facilities
• Deliver exceptional service through educating the client, offering an appropriate solution and ensuring the relationship is maintained
• Advise on and provide support to ensure the effective resolution of customer queries in order to ensure customer satisfaction and retention
• Continuously monitor actual process turnaround times and quality standards and resolve issues speedily to enhance effective client service delivery

• Adaptable and curious
• Sales driven
• Thrive in a collaborative environment
• Client-centric

Apply now if you are interested in taking the next step. We look forward to engaging with you!

Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below: 28/01/26

All appointments will be made in line with First Rand Group’s Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.