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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.

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.

• 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.

• Minimum Qualification: Tertiary BCom Qualification, preferably in Economics, Accounting, Financial Management or Risk Management.
• Preferred Qualification: BCom Honours.
• Experience: 5 years banking experience, with at least 3 years managing a portfolio of bankers with an individual credit mandate.
• Sound knowledge of all Commercial Banking Products.
• Strong judgemental credit experience; exposure to Agriculture clients will be beneficial.
• Demonstrated ability to build and maintain stakeholder relationships across segments.

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

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• Seniority level: Mid‑Senior level
• Employment type: Full‑time
• Job function: Finance and Sales
• Industries: Banking

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. Candidates can disclose disability information on a voluntary basis. The Bank will keep this information confidential unless required by law to disclose to other parties.