Business Judgemental Credit Manager

Rmbwestport; Durban; On-site; ZAR 600 000 - 800 000; Full time

Job summary

A leading South African bank seeks a Business Judgemental Credit Manager in Durban. You will evaluate and manage credit risks, working closely with stakeholders to ensure compliance with banking regulations. Ideal candidates will have 5 years of banking experience and strong judgemental credit skills. A Tertiary BCom qualification is required, and experience with Agriculture clients is beneficial. Applications are accepted until November 1, 2025.

Qualifications

• Minimum 5 years banking experience, with at least 3 years managing a portfolio of bankers.
• Strong judgemental credit experience; exposure to Agriculture clients is beneficial.
• Demonstrated ability to build and maintain stakeholder relationships.

Responsibilities

• Evaluate, manage and approve credit risk within area of responsibility.
• Provide recommendations and support to internal stakeholders.
• Ensure compliance with internal policies and external legal requirements.

Skills

Credit Risk Assessment

Ability to analyse complex financial statements and cash flows

Understanding of industry-specific risks and macroeconomic factors

Financial Analysis

Strong grasp of financial ratios, balance sheets, income statements, and cash flow analysis

Ability to assess borrower repayment capacity and financial health

Decision-Making & Judgment

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

Regulatory & Compliance Knowledge

Familiarity with local and international banking regulations

Communication & Negotiation

Skilled in negotiating terms with stakeholders

Portfolio Management

Analytical & Critical Thinking

Ethical Standards & Integrity

Education

Tertiary BCom Qualification in Economics, Accounting, Financial Management or Risk Management

BCom Honours

Job description

Business Judgemental Credit Manager

Location: Durb | Full time | End Date: November 1

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.

Skills and Abilities

• Credit Risk Assessment
• Ability to analyse complex financial statements and cash flows.
• Understanding of industry-specific risks and macroeconomic factors.
• Financial Analysis
• Strong grasp of financial ratios, balance sheets, income statements, and cash flow analysis.
• Ability to assess borrower repayment capacity and financial health.
• Decision-Making & Judgment
• 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.
• Regulatory & Compliance Knowledge
• Familiarity with local and international banking regulations (e.g., Basel III, IFRS 9).
• Ensuring credit decisions comply with internal policies and external legal requirements.
• Communication & Negotiation
• 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.
• Portfolio Management
• Monitoring and managing a portfolio of credit exposures.
• Proactive management of problem accounts and restructuring when necessary.
• Analytical & Critical Thinking
• Ability to synthesize qualitative and quantitative data.
• Strong problem-solving skills, especially in ambiguous or high‑pressure situations.
• Ethical Standards & Integrity
• High ethical standards in decision‑making.
• Commitment to responsible lending practices.

Qualifications

• Minimum Qualification: Tertiary BCom Qualification, Preferably in Economics, Accounting, Financial Management or Risk Management.
• Preferred Qualification: BCom Honours.

Experience

• 5 Years banking experience, with at least 3 years managing a portfolio of bankers with an individual credit mandate.
• Have a sound knowledge of all Commercial Banking Products.
• Strong judgemental credit experience, exposure to Agriculture clients will be beneficial.
• Demonstrated ability to build and maintain stakeholder relationships across segments.

Job Details & Closing

• Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below.
• 01 / 11 / 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.