Business Judgemental Credit Manager
FNB South Africa · Durban, KwaZulu-Natal
Stop applying one at a time.
JobAlertsZA auto-applies to South African jobs like this one for you, overnight. Upload your CV once — we do the applying.
Start free — we apply for you →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.
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
End Date: August 1, 2026