Credit Specialist-2 at FNB South Africa

Are you someone who can:

• Support and manage a portfolio of HNW &UHNW clients
• Attend client meetings together with the lending specialist and advisory team
• Deep knowledge of the client and larger group structure across all pillars (lend, invest, insure and transact)
• Understand the client’s wealth creation strategy; immediate lending need vs unlocking value, optimizing the balance sheet and spotting lending opportunities. operating and Investment entities within the group in respect of financial ratios, cash flows, trends; historic performance, sustainability, projections and future aspirations ; industries the client is operating in (upsides, risks, trends etc) ; various lending products available to solution for the client across FSR; risk vs Reward principles and overall value proposition.
• Structuring the deal and compiling the credit paper
• Present the request to the relevant mandated individuals or committees
• Explain the credit outcome, covenants, structure and process to the client and sale

You will be an ideal candidate if you can:

• Track and monitoring ongoing risk relevant to a client group, as well as deal specific reviews and
• covenants
• Flag and unpacking economic and industry trends/risks within the portfolio
• Engage various stakeholders across FSR to ensure client level decisioning and solutions
• Pro-actively manage risk vs triggers/events
• Deliver customer experience excellence aligned to Organizational values and service standards
• Innovate and have an efficient mindset to constantly improve the overall value add and client experience of this base with a cost reduction and management mindset

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 BCom Finance / Accounting (CA advantageous)
• A business acumen with 1-3 years plus credit experience
• A deep understanding of financial statement analysis and credit risk assessment
• The ability to model cash flows for debt service considering industry and company specific information; building
• assumptions for forecasting; key ratio analysis and covenant construction
• Dealmaking and solutionist mindset
• Excellent communication and collaboration skills with both internal and external customers (sales, credit & risk community, clients etc.)
• Self-motivated, work independently and within a group, attention to detail, high level of integrity Writing, speaking and presentation skill sets

End Date: August 2, 2025