Credit Manager - Gqeberha at FirstRand Group

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.

The Investment Institute will be responsible for research, portfolio construction and thought leadership aimed primarily at increasing the value proposition the distribution force takes to end clients, and as a secondary objective to produce content to clients to increase the business profile in the investment space.

Are you someone who can:

• Drive an Increase in average balance of assets as defined in the Financial Performance Report of the business
• Reduce percentage of Non-performing loans as a percentage of total performing book based on the business' performance
• Reduce Bad debts as a percentage of performing loans utilisation based on effective lending principals applied during approval
• Deliver exceptional Credit service that exceeds customers' expectations through  proactive, innovative and appropriate solutions
• Cultivate and manage objective working relationships with a variety of stakeholders, including end-users, SME’s, project managers and senior staff members
• Maintenance 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 Panel
• Comply with governance in terms of legislative and audit requirements
• Manage high risk portfolio including timely identification of high risk clients, checking security and mitigating risk by taking outstanding and new security and reducing limits
• Manage 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 collaborate
• A challenging working environment
• Opportunities to innovate