Business Judgemental Credit Manager II at FNB South Africa

Job Description

• 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).
• Manage respective portfolio within the banks risk appetite and asset growth budget and target.
• Assess and approve annual review and/or ad hoc requests of all counterparties within allocated portfolio and mandate structure.
• Assess and approve any escalated applications as and when required.
• Conduct client visits with frontline sales representative as and when required.
• Present to Credit committees determined by mandate levels (e.g., Commercial Credit Committee, Provincial Credit Committee and National Pre-screen Committee).
• Active member of Regional Credit Committee.
• Identify and manage credit risk at origination on an ongoing basis.
• Daily excess monitoring of counterparties in their portfolio.
• Monthly/ Quarterly/ Bi- annual or Annual covenant compliance monitoring Approve or recommend counterparty exposure across multiple products (working capital facilities as well as specialised finance and term loans) for area of responsibility.
• Assess and approve credit in terms of approved mandate through quantitative and qualitative analysis, to minimise Credit Risk to the business and manage the credit approval process.
• Assess credit applications, structure and compile proposal for presentation at the credit committee or higher mandate holders.
• Ensure credit approvals are conducted within appropriate governance (legislative and audit), process and mandate requirements.
• Ensure average approval turnaround time on deals and related reworks within acceptable norms.
• Workflow management within agreed SLA’s.
• Provide on the job coaching and guidance to the Credit Manager I.
• Participate in planned activities that are appropriate for own development.
• Develop, encourage and nurture collaborative relationships across area of specialisation.
• Develop and manage key stakeholder relationships that enable achievement of operational objectives.
• Drive customer service delivery goal achievement in line with predefined standards and in support of operational objectives.
• Ensure compliance to legislative and audit requirements and adherence to relevant processes.
• Maintain expert knowledge on relevant legislative amendments and industry best practices and provide advice to relevant stakeholders.
• Maintain up to date knowledge of local and global trends

You will be an ideal candidate if you have:

• Relevant Post Graduate in Finance
• Preferred Qualification: CA (SA)/CFA
• Experience: 5 years’ experience in a similar environment

End Date: October 14, 2025 

Method of Application
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