Role Responsibility 

As a credit Manager you will be responsible 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. 

This role involves management of a team, so relevant team leadership or people management experience is essential.
 

Are you someone who can:  

• Understand and provide input into implementation of Credit Policies. 

• Identify and manage credit risk in alignment to the Bank Strategies. 

• Manage a respective portfolio within the Banks risk appetite, as well as within the asset growth budget and target. 

• Assess annual reviews and/ or ad hoc requests of all counterparties within allocated portfolio and mandate structure 

• Analysis of counterparty exposure across multiple products (Working Capital Facilities, Asset Based Finance and Term Loans) for area of responsibility. 

• Assess and approve credit according to mandate level. 

• Ensure average approval turnaround time against target to ensure retention of clients. 

• Provide recommendations to higher mandate holders. 

• Develop, encourage, and nurture collaborative relationships across area of specialisation. 

• Ensure compliance to legislative and audit requirements and adherence to relevant processes. 

• Maintain knowledge on relevant legislative amendments and industry best practices. 

• Deliver exceptional credit service through proactive, innovative and appropriate solutions. 

• Participate in planned activities that are appropriate for own development and growth. 

• Develop and manage key stakeholder relationships that enable achievement of operational objectives. 

You will be an ideal candidate if you: 

• Minimum Qualification:  Bachelor of Commerce, Chartered Accountant, Finance  

• Preferred Qualification: Honors of Commerce (Finance/Accounting), CA(SA) 

• Ongoing Risk Management 4 to 5 Years 

• 3–5-year credit related experience in depth knowledge of judgmental Credit and Credit Principles. 

• Mitigating credit exposure by evaluating/ analyzing Financial Statements, credit and Industry risks and cashflows 
   
   

As a #Changeable you will have access to:  

• Opportunities to network and collaborate  

• Work that is challenging  

• Opportunities to innovate  

• Conditions that are flexible  

• Focus on health and wellbeing  

• Resources to help you with your professional development  

• Generous leave policy  

• Preferential employee banking rates  

 
 
We can be a match if you are / have  

• Analytical  

• Adaptable and curious  

• Thrive in a collaborative environment  

• Conceptual and Big Picture Thinking  

• Strategic Thinking  

 

Apply now if you are interested in taking the next 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 fulfil 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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