To evaluate, manage and approve complex credit risk within area of responsibility by providing advice, recommendations and support to internal stakeholders through the implementation of group credit mandates, risk frameworks and methodologies.
To provide coaching and mentoring to relevant internal (Business Judgemental Credit Manager I) and external teams (Relationship Managers).
Hello Future, Business Judgemental Credit Manager II (Pietermaritzburg),
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 talent team, 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.
The successful candidate will be based in our Pietermaritzburg Office
Are you someone with the following skill/abilities:
Credit Risk Assessment
Ability to analyse complex financial statements and cash flows.
Understanding of industry-specific risks and macroeconomic factors.
Financial Analysis
Strong grasp of financial ratios, balance sheets, income statements, and cash flow analysis.
Ability to assess borrower repayment capacity and financial health.
Decision-Making & Judgment
Sound judgment in approving or declining credit applications.
Balancing risk and reward while aligning with the bank’s risk appetite.
Experience in structuring credit facilities to mitigate risk.
Regulatory & Compliance Knowledge
Familiarity with local and international banking regulations (e.g., Basel III, IFRS 9).
Ensuring credit decisions comply with internal policies and external legal requirements.
Communication & Negotiation
Clear articulation of credit decisions to stakeholders (e.g., credit committees, relationship managers).
Skilled in negotiating terms with internal and external stakeholders to reach mutually beneficial outcomes.
Portfolio Management
Monitoring and managing a portfolio of credit exposures.
Proactive management of problem accounts and restructuring when necessary.
Analytical & Critical Thinking
Ability to synthesize qualitative and quantitative data.
Strong problem-solving skills, especially in ambiguous or high-pressure situations.
Ethical Standards & Integrity
High ethical standards in decision-making.
Commitment to responsible lending practices.
You will be an ideal candidate if you:
Minimum Qualification: Tertiary BCom Qualification, Preferably in Economics, Accounting, Financial Management or Risk Management.
Preferred Qualification: CA (SA)/CFA, BCom Honours.
Experience: 5 Years banking experience, with at least 3 years managing a portfolio of bankers with an individual credit mandate.
Strong judgemental credit experience, exposure to Agriculture clients will be beneficial.
Demonstrated ability to build and maintain stakeholder relationships across segments.
You will have access to:
Opportunities to network and collaborate
A challenging working environment
Opportunities to innovate
#Post
#FNB
#LI-SM7
Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below.
15/08/26
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.
The FirstRand Corporate Centre houses many of the critical functions required by a large and complex financial services group. The Corporate Centre’s stakeholders are external, such as regulators, shareholders, global developmental institutions and government; and also internal, mainly the market-leading businesses that service the group’s customers. These critical functions cover risk, compliance, governance, internal audit, treasury, finance and tax amongst many others. They require deep specialist and technical skills and ultimately represent the custodianship of the FirstRand group’s licence to operate.
Employees of the Corporate Centre develop a very unique perspective of the group because nowhere else can you own or be part of a mandate that operates across the portfolio. This allows for both big picture thinking and operational learning. It is also a great place to drive collaboration and a place to have a significant impact.
The Corporate Centre has adopted a blended approach to working, with a focus on balancing remote working and connections with colleagues in the workplace. Face-to-face interactions remain important to its way of working as these connections protect the business’s social capital, which is key to ensuring that FirstRand’s unique culture stays alive and continues to thrive.
