Business Judgemental Credit Manager at FirstRand Group

Job Description

To analyse credit data to estimate degree of risk in extending credit or lending money by accessing credit applications

• Assess and approve credit in terms of approved mandate to minimise credit risk to the business 
• Manage the credit approval process
• Develop, encourage and nurture collaborative relationships within business across Product Houses and and/or across the FRG Approve or recommend counterparty exposure across multiple products
• Manage credit risk at origination on an ongoing basis 
• Drive customer service delivery goal achievement in line with predefined standards and in support of operational objectives
• Ensure that credit approvals are conducted within governance (legislative and audit), processes and mandate requirements
• Ensure average approval turnaround time against target to ensure retention of clients
• Analyse credit data to estimate degree of risk in extending credit or lending money by accessing credit applications
• Assess and evaluate credit risk through quantitative and qualitative analysis to recommend a credit decision within the mandate by applying credit risk criteria
• consistently and in accordance with the bank's credit policies to monitor existing exposures and recommend credit decisions