Credit Head

3 weeks ago

Johannesburg, South Africa FirstRand Full time

Job Description

Hello Future Credit Head

Welcome to FNB, the home of the #changeables. We design for the shapeshifters and deliver products and services that make us incredibly proud of people that make it happen.

As part of our talent team at FNB Commercial 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.

Role Purpose

To execute and manage the Credit Risk strategy with a view of maximising the return on capital employed whilst maintaining an acceptable level of risk in terms of the Company's credit ethics

Are you someone who can
- Manages credit product risk and profitability and makes recommendations for a portfolio of credit clients through analyses; Monitors associated risks.
- 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 utilisation based on effective lending principals applied during approval
- Deliver exceptional Credit service that exceeds customers' expectations through proactive, innovative and appropriate solutions
- Ensure average approval turnaround time against target to ensure retention of clients.
- Assess credit proposals in detail including assessment of Financials, Management Accounts, Budgets, Cash flow Projections, Debtors Age Analysis & Creditors Schedule and all business risks and recommend and approve Credit Applications
- Comply with governance in terms of legislative and audit requirements
- Manage and ensure compliance with Regulators as part of the FNB Team.
- Implement identified opportunities to increase profit of existing customers by providing innovative campaigns while maintaining risk within suitable boundaries

Leadership and Stakeholder Management (Clients and Internal)
- Build relationships that allow for the managing of expectations; the sharing of knowledge and diverse insights; and the creation of buy-in
- Contribute to sustaining a competitive edge through external networking, benchmarking and representation on related forums
- Design and deliver customer service solutions, systems and interactions aligned to Organisational values and service standards
- Establish, manage and maintain sound relationships with stakeholders based on trust that builds the brand
- Maintain expert knowledge on relevant legislative amendments, industry best practices and provide of advice to relevant stakeholders
- Provide thought leadership and expertise
- Provide input into, and implement, corporate governance, compliance, integrity and ethics policies in are of accountability to identify and manage risk exposure

People:

- Implement talent management practices in line with HR policies and procedures
- Ensure that each employee prepares a personal development plan that is implemented and reviewed as required
- Provide direction, coaching, and regular feedback to employees to improve performance and implement performance improvement initiatives
- Ensure implement employment equity plan target achievement in all recruitment and employee movement activities Identify current and future human capital needs and skills requirements
- Influence the understanding and adoption of the organisational strategic direction

Job Details

Application Closing Date

27/03/24

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