Credit Risk Manager

4 days ago

Johannesburg, South Africa FirstRand Full time

Job Description

The purpose of the role is to maximise the banks Risk-Adjusted Rate of Return by managing credit risk in the entire portfolio and individual transactions as well as managing Credit Analysts.

Are you someone who can:

- Reduce Bad debts as a percentage of performing loans utilisation based on effective lending principals applied during approval.
- Establish a sound Credit Risk Management culture through awareness of campaigns to influence behaviour and drive the importance of credit compliance.
- Cultivate and manage objective working relationships with a variety of stakeholders, including end-users, SME’s, 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.
- Ensure that your team meet set targets in respect of excesses, overdue limits and covenant monitoring.
- Comply with governance in terms of legislative and audit requirements.
- Ensure the deep insights developed in this process translate into real economic and financial benefits for the business through strategic input, influencing of credit decisions.
- Manage security documentation and limit management for clients by ensuring the accuracy of security documentation (facility letters and collateral documentation) and maintaining proper limit management processes for clients.
- Assess and approve excesses in terms of approved excess mandate to minimise Credit Risk to the business.
- Work with various segments to develop forward-looking profitability projection models and data feeds.
- Credit Collaboration Strategic Analysis.
- Benchmark current practices against the credit risk management framework and adjust practices as and when necessary.
- Reconcile and report on monthly credit risk loss to the business.
- Plan and manage performance, skills development, employment equity, talent and culture of team in order to improve innovation, achieve efficiencies and increase competencies.
- Manage personal development to increase own skills and competencies.

Qualifications and Experience:

- 2-3 Years' Credit Risk Experience
- Business Credit Knowledge
- BCom Accounting, Finance, Credit or Similar
- Financial services Industry knowledge will be an advantage

Job Details

30/09/25

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