Business Judgemental Credit Manager

FNB South Africa; Pietermaritzburg; On-site; ZAR 500,000 - 700,000; Full time

Job summary

A leading South African bank is seeking a Business Judgmental Credit Manager in Pietermaritzburg to evaluate complex credit applications, mentor teams, and ensure compliance with risk frameworks. The ideal candidate will have a BCom qualification, 5 years of banking experience, and strong credit judgment skills. This role offers a challenging environment and opportunities to innovate.

Benefits

Opportunities to network and collaborate

A challenging working environment

Opportunities to innovate

Qualifications

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

Responsibilities

• Evaluate, manage, and approve complex credit applications.
• Provide expert advice and recommendations to internal stakeholders.
• Deliver coaching and mentoring to Business Judgmental Credit Managers and external partners.

Skills

Credit Risk Assessment

Financial Analysis

Decision-Making & Judgment

Regulatory & Compliance Knowledge

Communication & Negotiation

Portfolio Management

Analytical & Critical Thinking

Ethical Standards & Integrity

Education

Tertiary BCom Qualification

CA (SA)/CFA, BCom Honours

Job description

Job Description

Responsible for evaluating, managing, and approving complex credit applications within the assigned portfolio. This includes providing expert advice, actionable recommendations, and strategic support to internal stakeholders, aligned with group credit mandates, risk frameworks, and methodologies.

Deliver targeted coaching and mentoring to internal stakeholders, such as Business Judgmental Credit Managers, and external partners, including Bankers and Relationship Managers.

Hello Future, Business Judgemental 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 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.

Are You Someone With The Following Skill/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.
  
  

You Will Be An Ideal Candidate If You

• 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.
  
  

You Will Have Access To

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

#Post

#FNB

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.

24/08/25

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.