Credit Specialist at FNB South Africa

Job Description

• Analyses credit data to estimate degree of risk in extending credit or lending money
• Consults with management to assist in corporate planning

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

NOTE: The roles are based is the Western Cape and KZN

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 OR CA(SA) 
• 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: November 30, 2025