Job Description
Dear Future, Credit ManagerThe role requires you to evaluate, manage and approve credit risk within area of responsibility by providing appropriate recommendations. Support internal stakeholders through the implementation of credit mandates, risk frameworks and methodologies.
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
We can be a match if you:
- Have a mandate of R12mil and above
- Ensure proper implementation, upkeep and accuracy of the Credit system and the raising of accurate provisions
- Apply credit roadmap and debt restructuring principles including the proper application of credit principles and a proper understanding of liquidation and restructuring processes
- Prepare presentations on credit related reports
- Plan and manage performance, skills development, employment equity, talent and culture of team in order to improve innovation, achieve efficiencies and increase competencies
- Manage personal development to increase own skills and competencies
Are you interested to take the step? We look forward to engaging with you
All appointments will be made in line with FirstRand Group’s Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.
Job Details
Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below.
26/08/25
All appointments will be made in line with FirstRand Group’s Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.
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