First National Bank (FNB) South Africa offers dynamic career paths, structured graduate development programs, and continuous on-the-job learning across banking, data science, IT, and client advisory roles
Analyses credit data to estimate degree of risk in extending credit or lending money and consults with management to assist in corporate planning.
Understanding of the economic environment, business risks and financial reports with the ability to relate such issues to specific business opportunities and the risk profile of individual clients.
Identifying transaction specific risks including credit, taxation, accounting and legal.
Introducing risk mitigating measures as input to structure transactions in line with the risk of philosophy of the Bank.
General understanding of the RSA Companies Act, Tax, Commercial Law and legal issues relating to security.
Excellent verbal presentation and report writing skills (reports are presented to the Credit Committee and to the Board of Directors).
Keeping up to date with news and events that might affect various individual counterparties and portfolios.
A good understanding of credit grading and credit pricing models.
Modelling, assessing and advising on industry and company specific
To assess and evaluate credit facilities (new and/or existing) based on sound credit & financial principles minimizing of risk to the bank.
Assess and evaluates credit proposals, within delegated limits, whether they meet sound business criteria, and the credit risk falls within acceptable parameters.
Approve, and recommends appropriate credit facilities including terms and conditions of facilities.
Industry risk analysis available to identify and understand contextual threats to existing and potential clients.
Builds relationships with Relationship Managers, Branch Managers and Account analysts to improve quality of business proposals and turnaround time on credit evaluation.
Any other duties assigned by line management from time to time
To provide effective value adding risk management to the bank in achieving their asset growth targets, whilst maintaining a quality-lending book, through judicious and effective management.
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