Business Judgemental Credit Manager

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

Job summary

A major financial services provider located in Pretoria is looking for a Credit Risk Manager. The ideal candidate will manage complex credit risks, provide coaching to teams, and evaluate credit applications in alignment with regulations. A tertiary qualification in commerce and 5+ years in banking, including 3 years of portfolio management, is essential. Strong communication and analytical skills are paramount. Opportunities for collaboration and innovation are available in this dynamic role.

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 is essential.
• Exposure to Agriculture clients is beneficial.

Responsibilities

• Evaluate, manage, and approve complex credit risk.
• Provide coaching and mentoring to relevant teams.
• Ensure credit decisions comply with regulations.

Skills

Credit Risk Assessment

Financial Analysis

Decision-Making & Judgment

Regulatory Knowledge

Communication & Negotiation

Portfolio Management

Analytical Thinking

Integrity

Education

Tertiary BCom Qualification

CA (SA)/CFA, BCom Honours

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).

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

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.

04/02/26

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.