Business Judgemental Credit Manager
- Pietermaritzburg, KwaZulu-Natal
- Permanent
- Full-time
Deliver targeted coaching and mentoring to internal stakeholders, such as Business Judgmental Credit Managers, and external partners, including Bankers and Relationship Managers.Hello Future, Business Judgemental 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 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.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.
- Strong grasp of financial ratios, balance sheets, income statements, and cash flow analysis.
- Ability to assess borrower repayment capacity and financial health.
- 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.
- Familiarity with local and international banking regulations (e.g., Basel III, IFRS 9).
- Ensuring credit decisions comply with internal policies and external legal requirements.
- 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.
- Monitoring and managing a portfolio of credit exposures.
- Proactive management of problem accounts and restructuring when necessary.
- Ability to synthesize qualitative and quantitative data.
- Strong problem-solving skills, especially in ambiguous or high-pressure situations.
- High ethical standards in decision-making.
- Commitment to responsible lending practices.
- 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.
- Opportunities to network and collaborate
- A challenging working environment
- Opportunities to innovate