Credit Manager

FirstRand; Johannesburg; On-site; ZAR 200 000 - 300 000; Full time

Job summary

A leading financial institution in Johannesburg seeks a skilled Credit Manager to drive credit risk evaluation and management. You will be responsible for approving credit applications and managing a high-risk portfolio while complying with governance standards. Ideal candidates will have a strong background in financial performance measures and stakeholder management. This role offers opportunities for personal development and innovation in a dynamic environment.

Benefits

Opportunities to network

Challenging working environment

Opportunities to innovate

Qualifications

• Proven ability to evaluate and manage credit risk effectively.
• Experience in driving financial performance measures.
• Strong understanding of governance and compliance requirements.

Responsibilities

• Evaluate and approve credit risk for clients.
• Manage high-risk portfolios and mitigate associated risks.
• Collaborate with internal stakeholders to implement credit mandates.

Skills

Credit risk evaluation

Stakeholder management

Compliance with legislation

Financial analysis

Risk mitigation

Job description

Dear Future, Credit Manager

The role requires you to evaluate, manage and approve credit risk within your area of responsibility by providing appropriate recommendations. Support internal stakeholders through the implementation of credit mandates, risk frameworks and methodologies.

Are you someone who can:

• Drive an increase in average balance of assets as defined in the Financial Performance Report of the business
• Reduce the percentage of non‑performing loans as a percentage of the total performing book based on the business' performance
• Reduce bad debts as a percentage of performing loans utilisation based on effective lending principals applied during approval
• Deliver exceptional credit service that exceeds customers' expectations through proactive, innovative and appropriate solutions
• Cultivate and manage objective working relationships with a variety of stakeholders, including end‑users, SME’s, project managers and senior staff members
• Maintain expert knowledge on relevant legislative amendments, industry best practices and provide proactive advice and solutions to relevant stakeholders

You will be an ideal candidate if you can:

• Ensure average approval turnaround time against target to ensure retention of clients.
• Focus on credit approval by assessing credit applications as part of Credit Panel
• Comply with governance in terms of legislative and audit requirements
• Manage a high‑risk portfolio including timely identification of high‑risk clients, checking security and mitigating risk by taking outstanding and new security and reducing limits
• Manage and ensure compliance with the Basel II accord.
• Manage limits that are in excess of normal limits by reducing the number against total limits

You will have access to:

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

We can be a match if you:

• Have a mandate of R12 million and above
• Ensure proper implementation, upkeep and accuracy of the credit system and the raising of accurate provisions
• Apply credit roadmap and debt restructuring principles including the proper application of credit principles and a proper understanding of liquidation and restructuring processes
• Prepare presentations on credit related reports
• Plan and manage performance, skills development, employment equity, talent and culture of the team to improve innovation, achieve efficiencies and increase competencies
• Manage personal development to increase your own skills and competencies

How to apply

Are you interested to take the step? We look forward to engaging with you.

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 fulfil 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 it.

Job Details

Take note that applications will not be accepted on the date and onwards; kindly submit applications ahead of the closing date indicated below: 24/01/26.