Credit Manager

RMB Nigeria Limited • Other • Cape Town, Western Cape, South Africa • $200 - $300 / year • 6h ago

Time left to apply: End Date: November 21, 2024 (6 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

Responsibilities

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 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, SME’s, project managers, and senior staff members.
Maintain expert knowledge on relevant legislative amendments, industry best practices, and provision of proactive advice and solutions to relevant stakeholders.

Qualifications

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 with the Basel II accord.
Manage limits that are in excess of normal limits by reducing number against total limits.

Benefits

Opportunities to network and collaborate.
A challenging working environment.
Opportunities to innovate.

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.

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