Business Judgemental Credit Manager

Firstrand Namibia Limited; Gauteng; On-site; ZAR 600,000 - 900,000; Full time

Job summary

A leading financial institution is looking for a dedicated Business Judgemental Credit Manager to manage credit risk within their income-producing real estate portfolio. The role involves analyzing funding requests and ensuring governance and process adherence while providing mentorship to teams. Ideal candidates will have strong financial analysis skills, a degree in Finance, and relevant credit risk experience.

Qualifications

• 4-5 years' credit risk experience.
• Strong understanding of financial analysis and risk management.
• Experience in assessing credit considerations for income-producing properties.

Responsibilities

• Oversee credit risk within the IPRE portfolio.
• Analyze funding requests across various asset classes.
• Provide coaching and mentoring to internal and external teams.

Skills

Analytical Thinking

Interpersonal Communication Skills

Education

BCom Finance, Accounting or similar

Job description

Business Judgemental Credit Manager page is loaded. Business Judgemental Credit Manager Apply locations Randburg time type Full time posted on Posted Yesterday time left to apply End Date : June 19, (6 days left to apply) job requisition id R

Job Description

FNB is seeking a dedicated and experienced Credit Manager to oversee and manage the credit risk associated within our income-producing real estate portfolio.

This role will focus on analyzing funding requests for income-generating properties across various asset classes (e.g., commercial, industrial, residential income, retail).

The ideal candidate will possess a strong understanding of financial analysis, risk management, and the unique credit considerations within the income-producing property market.

FNB's Commercial IPRE portfolio is a national portfolio with a decentralised sales force and a centralised credit team based in Fairlands, Johannesburg.

The successful candidate will manage a regional portfolio of dealmakers and may be required to travel from time to time.

The successful candidate will also provide coaching and mentoring to relevant internal (Business Judgemental Credit Manager I) and external teams (Relationship Managers).

Responsibilities include managing the portfolio within the bank's risk appetite and asset growth targets, assessing and approving annual reviews and ad hoc requests, and conducting client visits.

Presentations to credit committees, active participation in regional credit meetings, and ongoing credit risk management at origination are key duties.

The role involves daily monitoring of counterparties, covenant compliance, and approving or recommending exposures across multiple products.

Assessment and structuring of credit applications, ensuring governance and process adherence, and maintaining efficient workflow are essential.

The candidate will also develop stakeholder relationships, drive customer service, ensure legislative and audit compliance, and stay updated on industry trends.

Experience and Qualifications

• BCom Finance, Accounting or similar
• Analytical Thinking
• 4-5 Years' Credit Risk Experience
• Interpersonal Communication Skills

Additional Requirements

• Oversee credit risk within the IPRE portfolio
• Analyze funding requests across various asset classes
• Demonstrate expertise in financial analysis, risk management, and credit assessment specific to income-producing properties

Job Details

Applications will not be accepted after 19/06/2025. All appointments will align with FirstRand Group's Employment Equity plan. The bank supports the recruitment of individuals with disabilities, who may disclose their information voluntarily.

Introduce yourself to our recruiters via MyQ. For queries, log them accordingly.

About Us

FNB serves retail and commercial customers with a range of financial services, including insurance, savings, investment products, and digital solutions. Recognized globally, FNB has won multiple awards and offers rewarding career opportunities.