Business Judgemental Credit Manager

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

To provide coaching and mentoring to relevant internal (Business Judgemental Credit Manager I) and external teams (Relationship Managers).

• Ability to analyse complex financial statements and cash flows.
• Understanding of industry-specific risks and macroeconomic factors.

• Strong grasp of financial ratios, balance sheets, income statements, and cash flow analysis.
• Ability to assess borrower repayment capacity and financial health.

• Sound judgment in approving or declining credit applications.
• Balancing risk and reward while aligning with the bank’s risk appetite.
• Experience in structuring credit facilities to mitigate risk.

• Familiarity with local and international banking regulations (e.g., Basel III, IFRS
  9).
• Ensuring credit decisions comply with internal policies and external legal requirements.

• Clear articulation of credit decisions to stakeholders (e.g., credit committees, relationship managers).
• Skilled in negotiating terms with internal and external stakeholders to reach mutually beneficial outcomes.

• Monitoring and managing a portfolio of credit exposures.
• Proactive management of problem accounts and restructuring when necessary.

• Ability to synthesize qualitative and quantitative data.
• Strong problem-solving skills, especially in ambiguous or high-pressure situations.

• High ethical standards in decision-making.
• Commitment to responsible lending practices.

• Minimum Qualification:
  
  Tertiary BCom Qualification, Preferably in Economics, Accounting, Financial Management or Risk Management.
• Preferred
  
  Qualification:
  
  CA (SA)/CFA, BCom Honours.
• Experience:
  
  5 Years banking experience, with at least 3 years managing a portfolio of bankers with an individual credit mandate.
• Strong judgemental credit experience, exposure to Agriculture clients will be beneficial.
• Demonstrated ability to build and maintain stakeholder relationships across segments.

• Opportunities to network and collaborate
• A challenging working environment
• Opportunities to innovate

Job Details

Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below.

04/02/26

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.