Job Description
\nPortfolio management and oversight of the asset book for the Core commercial Segment under the Business and commercial arm of FNBZ. This is through credit application evaluating and decisioning, portfolio management, borrower due diligence and proactive risk management in line with applicable bank policies.
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Understand and provide input into implementation of Credit Policies.
\nIdentify and manage credit risk in alignment to the Bank Strategies.
\nManage a respective portfolio within the Banks risk appetite, as well as within the asset growth budget and target.
\nAssess annual reviews and\/ or ad hoc requests of all counterparties within allocated portfolio and mandate structure
\nAnalysis of counterparty exposure across multiple products (Working Capital Facilities, Asset Based Finance and Term Loans) for area of responsibility.
\nAssess and approve credit according to mandate level.
\nEnsure average approval turnaround time against target to ensure retention of clients.
\nProvide recommendations to higher mandate holders.
\nDevelop, encourage, and nurture collaborative relationships across area of specialisation.
\nEnsure compliance to legislative and audit requirements and adherence to relevant processes.
\nMaintain knowledge on relevant legislative amendments and industry best practices.
\nDeliver exceptional credit service through proactive, innovative and appropriate solutions.
\nParticipate in planned activities that are appropriate for own development and growth.
\nDevelop and manage key stakeholder relationships that enable achievement of operational objectives.
\nAnalyzing and interpreting financial information to make decisions on\/recommendations on credit applications and customer credit worthiness
\nAssessing Credit risk in line with the Bank\u2019s On-going Risk Management Policy to mitigate the risks associated with lending.
\nEnhancing the quality of credit applications and maintaining up-to-date records on all borrowing accounts in line with applicable policy(s) and best practice guidelines.
\nMake recommendations on procedural\/policy changes as and where possible to ensure that guided documents are always kept up-to-date and relevant
\nMentor junior staff and support team development<\/p>\n
Important Closing Date Note
\nTake note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below.
\n17\/05\/26<\/p>\n
All appointments will be made in line with FirstRand Group\u2019s 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.<\/p>\n
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