Business Judgemental Credit Manager

FirstRand group; Gqeberha; On-site; ZAR 550 000 - 750 000; Full time

Job summary

A leading financial institution in Gqeberha is seeking a Credit Risk Manager to evaluate, manage, and approve credit risk. The role involves managing client portfolios, ensuring compliance, and fostering stakeholder relationships. Ideal candidates hold a CA or equivalent, with 2-5 years of experience in Enterprise segments. This opportunity promises a collaborative and challenging work environment with opportunities for innovation.

Benefits

Opportunities to network and collaborate

Challenging working environment

Opportunities to innovate

Qualifications

• 2-5 years experience in Enterprise segment preferred.
• Expert knowledge of industry best practices and legislative amendments.
• Ability to manage and administer credit portfolios effectively.

Responsibilities

• Manage credit risk within allocated portfolio.
• Conduct client visits and present to Credit Committees.
• Ensure compliance with legislative and audit requirements.

Skills

Credit risk analysis

Client relationship management

Analytical skills

Education

CA or B Degree equivalent

Job description

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.

Responsibilities

• Manage respective portfolio within the bank's risk appetite and asset growth budget and target. Assess annual review and / or ad hoc requests of all counterparties within allocated portfolio and mandate structure.
• Identify and manage credit risk at origination and on an ongoing basis.
• Daily excess monitoring of counterparties in their portfolio.
• Monthly / Quarterly / Bi- annual or Annual covenant compliance monitoring.
• Conduct client visits with frontline sales representative as and when required.
• Present to Credit Committees depending on mandate levels (e.g. Internal Credit Committee) as and when required.
• Perform secretarial duties for Provincial Credit Committee as and when required.
• Approve or recommend counterparty exposure across multiple products (working capital facilities as well as specialised finance and term loans) for area of responsibility.
• Assess and approve credit in terms of approved mandate to minimise Credit Risk to the business and manage the credit approval process.
• Ensure average approval turnaround time against target to ensure retention of clients.
• Provide recommendation to higher mandate holders.
• Perform efficient management of credit portfolio, including expired limits, covenant monitoring, identification of early warning triggers, assisting with daily operational requirements.
• Ensure effective workflow management within agreed SLA's.
• Participate in planned activities that are appropriate for own development.
• Develop, encourage and nurture collaborative relationships across area of specialisation.
• Develop and manage key stakeholder relationships that enable achievement of operational objectives.
• Drive customer service delivery goal achievement in line with predefined standards and in support of operational objectives.
• Ensure compliance to legislative and audit requirements and adherence to relevant processes.
• Maintain expert knowledge on relevant legislative amendments and industry best practices and provide advice to relevant stakeholders.
• Maintain up to date knowledge of local and global trends.

Ideal candidate

• You will be an ideal candidate if you: Have abstained your CA or B Degree equivalent with Enterprise segment experience (Preferably 2-5 years minimum).

You will be able to do

• 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

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.

06 / 11 / 25

Compliance

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.