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Job Description To assess, manage, and authorise credit risk within the designated area by delivering sound recommendations. Provide strategic support to internal stakeholders through effective application of credit mandates, risk frameworks, and analytical methodologies. 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. Experience: 1. Minimum of Three (3) years working experience in a similar role. 2. Experience in analysing financials, and cash flow projections with proficiency in excel, credit structuring, collateral, & industry risks. 3. Experience in preparation of credit applications, presentation and defending proposals to credit committee. 4. knowledge in financial analysis, excel, word, Credit rating methodologies and origination platforms. Qualifications: Full grade 12 certificate ( English and Mathematics required) Bachelors degree in Business, Economics (related field) Important Closing Date Note Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below. 15/10/26 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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