- 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.
15/10/26All 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.
Skills Required
- At least three years of experience in a similar credit role
- Experience analyzing financial statements and cash flow projections
- Proficiency in Excel
- Experience with credit structuring, collateral, and industry risk analysis
- Experience preparing credit applications and presenting and defending proposals to credit committees
- Knowledge of financial analysis, Microsoft Excel, Microsoft Word, credit rating methodologies, and credit origination platforms
- Full Grade 12 certificate with English and Mathematics
- Bachelor's degree in Business, Economics, or a related field
What We Do
FirstRand is a portfolio of integrated financial services businesses offering transactional, lending, investment and insurance products and services. The group seeks to build long-term franchise value and deliver superior, sustainable returns within acceptable levels of volatility. Its corporate centre houses key functions—including risk, compliance, governance, internal audit, treasury, finance and tax—that support the broader group and its operating businesses.
