Credit Risk Manager

7 days ago

Cape Town, Western Cape, South Africa FirstRand Bank Limited Full time
Job Title: Credit Manager

About the Role:

We are seeking a highly skilled Credit Manager to join our team at FirstRand Bank Limited. As a Credit Manager, you will be responsible for evaluating portfolio risks, making final credit decisions, and interacting with other departments regarding credit management strategies.

Key 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, SMEs, project managers, and senior staff members
  • Maintenance of expert knowledge on relevant legislative amendments, industry best practices, and provision of proactive advice and solutions to relevant stakeholders

Requirements:

  • 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 to the Basel II accord
  • Mange limits that are in excess of normal limit by reducing number against total limits

What We Offer:

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

How to Apply:

If you are interested in taking the next step, please submit your application. 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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