Time left to apply: End Date: October 19, 2024 (3 days left to apply)
Job Requisition ID: R23118
Job Description Evaluates portfolio risks, makes final credit decisions, and interacts with other departments regarding credit management strategies.
Hello Future Credit Manager Welcome to FNB, the home of the #changeables. We design for the shapeshifters and deliver products and services that make us incredibly proud of the people that make it happen.
As part of our team in FNB Retail Judgemental Credit, you will be surrounded by unique talents, diverse minds, and an adaptable environment that lives up to the promise of staying curious. Now's the time to imagine your potential in a team where experts come together and ignite effective change.
Location: Cape Town
Are you someone who can: Drive an increase in average balance of assets as defined in the Financial Performance Report of the business. Reduce the percentage of non-performing loans as a percentage of the total performing book based on the business's performance. Reduce bad debts as a percentage of performing loans utilization based on effective lending principles 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, SMEs, project managers, and senior staff members. Maintain expert knowledge on relevant legislative amendments, industry best practices, and provide 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 the 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 with the Basel II accord. Manage limits that are in excess of the normal limit by reducing the 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 the team in order to improve innovation, achieve efficiencies, and increase competencies. Manage personal development to increase own skills and competencies. 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 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. 19/10/24
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About Us Serving retail and commercial customers, FNB is so much more than a bank, offering life and short-term insurance, innovative savings and investment products, and a digital universe of solutions that help customers navigate challenges and opportunities of everyday life. It has a market-leading app and a globally recognized rewards system in eBucks. FNB has won multiple awards, including the Strongest Banking Brand in the World in the Brand Finance Banking 500 2023 report. FNB represents multiple opportunities for you to build an exciting and rewarding career, especially if you want to change people's lives in an authentic, profound, and sustainable way.
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