Business Judgemental Credit Manager at FNB South Africa

Job 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.
• Manage respective portfolio within the banks 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.

Qualifications and Experience

• BCom Finance or Similar
• 3 Years' Credit Risk Experience
• Financial Industry experience will be advantageous

End Date: August 8, 2025