Business Judgemental Credit Manager

Job Description

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).

Hello Future Business Judgmental Credit Manager

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 Sales Free State Bloemfontein, you will be surrounded by unique talents, diverse minds, and an adaptable environment that lives up to the promise of staying curious. Now’s the time to imagine your potential in a team where experts come together and ignite effective change.

Responsibilities

• Recommend a credit decision within the mandate by application
• Assess and approve credit in terms of approved mandate to minimise credit risk to the business
• Manage the credit approval process
• Develop, encourage and nurture collaborative relationships within business across Product Houses and/or across the FRG
• Approve or recommend counterparty exposure across multiple products
• Manage credit risk at origination on an ongoing basis
• Drive customer service delivery goal achievement in line with predefined standards and in support of operational objectives
• Ensure that credit approvals are conducted within governance (legislative and audit), processes and mandate requirements
• Ensure average approval turnaround time against target to ensure retention of clients
• Analyse credit data to estimate degree of risk in extending credit or lending money by accessing credit applications
• Assess and evaluate credit risk through quantitative and qualitative analysis
• Consistently monitor existing exposures and recommend credit decisions in accordance with the bank's credit policies

You Will Be An Ideal Candidate If You

Have obtained your CA or B Degree equivalent with Enterprise segment experience (Preferably 2-5 years minimum).

Are You Someone Who Can

• 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

You Will Have Access To

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

We Can Be a Match If You Are

• 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!

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.

Closing Date: 29/04/25

All appointments will be made in line with FirstRand 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.