Job Description

Evaluates portfolio risks, makes final credit decisions and interacts with other departments regarding credit management strategies

Hello Future 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 team in FNB Retail Judgemental Credit, 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.

Location: Cape Town

Are you someone who can:

Drive an Increase in average balance of assets as defined in the Financial Performance Report of the businessReduce percentage of Non-performing loans as a percentage of total performing book based on the business' performanceReduce Bad debts as a percentage of performing loans utilisation based on effective lending principals applied during approvalDeliver exceptional Credit service that exceeds customers' expectations through  proactive, innovative and appropriate solutionsCultivate and manage objective working relationships with a variety of stakeholders, including end-users, SME’s, project managers and senior staff membersMaintenance of expert knowledge on relevant legislative amendments, industry best practices and provision of proactive advice and solutions to relevant stakeholders

You will be an ideal candidate if you can:

Ensure average approval turnaround time against target to ensure retention of clients.Focus on credit approval by Assessing credit applications as part of Credit PanelComply with governance in terms of legislative and audit requirementsManage high risk portfolio including timely identification of high-risk clients, checking security and mitigating risk by taking outstanding and new security and reducing limitsManage and ensure compliance to the Basel II accord.Mange limits that are in excess of normal limit by reducing number against total limits

You will have access to:

Opportunities to network and collaborateA challenging working environmentOpportunities to innovate

We can be a match if you:

Have a mandate of R12mil and aboveEnsure proper implementation, upkeep and accuracy of the Credit system and the raising of accurate provisionsApply credit roadmap and debt restructuring principles including the proper application of credit principles and a proper understanding of liquidation and restructuring processesPrepare presentations on credit related reportsPlan and manage performance, skills development, employment equity, talent and culture of team in order to improve innovation,  achieve efficiencies and increase competenciesManage personal development to increase own skills and competencies

Apply now if you are interested in taking the next step. We look forward to engaging with you!

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. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.

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Job Details

Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below.

21/11/24

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. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.