Business Judgemental Credit Manager

Spane4All; Durban; On-site; ZAR 500 000 - 700 000; Full time

Job summary

A financial institution in South Africa is seeking a Business Judgemental Credit Manager to evaluate and manage complex credit risks. Suitable candidates will have at least 5 years of banking experience, a relevant BCom qualification, and strong judgmental credit skills. The role involves mentoring teams and adhering to compliance regulations while managing a diverse portfolio of credit exposures. The position offers opportunities to innovate in a challenging environment.

Benefits

Opportunities to network and collaborate

Challenging working environment

Opportunities to innovate

Qualifications

• 5 years banking experience, with at least 3 years managing a portfolio.
• Strong judgemental credit experience; exposure to Agricultural clients beneficial.

Responsibilities

• Evaluate, manage and approve complex credit risk.
• Provide coaching and mentoring to internal and external teams.
• Monitor and manage a portfolio of credit exposures.

Skills

Credit Risk Assessment

Ability to analyse complex financial statements

Understanding of industry-specific risks

Financial Analysis

Decision-Making & Judgment

Regulatory & Compliance Knowledge

Communication & Negotiation

Portfolio Management

Analytical & Critical Thinking

Ethical Standards & Integrity

Education

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

CA (SA) or CFA, BCom Honours

Job description

Business Judgemental Credit Manager page is loaded## Business Judgemental Credit Managerlocations : Durbantime type : Full timeposted on : Posted Todaytime left to apply : End Date : November 1,

• (7 days left to apply)job requisition id : R
• 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,

About the Role

• Business Judgemental Credit Manager
• Welcome to FNB, the home of the #changeables.
• We design for the shapeshifters and deliver products and services that make we incredibly proud of people that make it happen.

As part of our talent team, 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.

Skills & 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: 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.

Benefits

• 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.
• 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.

Introduce yourself to our recruiters and we will get in touch if there's a role that seems like a good match. Should you have any queries, please log it via .

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