Ongoing Credit Risk Manager C

1 week ago

Johannesburg, South Africa FirstRand Full time

About us, purpose, experience and qualifications

**about us**:

- make a promise
- be deeply invested
- value our differences
- build trust, not territory
- have courage
- always do the right thing

**purpose**:

- Identify high risk clients through, inter alia, management of the various ongoing risk management processes, such as: Excesses, Expired limits, Covenant monitoring, Risk behaviour, and High risk process. Managing a portfolio consisting of high-risk clients on an ongoing basis by conducting due diligence investigations and client visits, compiling status reports, maintaining a high risk client database, raising provisions and devising action plans and the implementation thereof. Conduct monthly risk meetings and quarterly portfolio meetings.**experience and qualifications**:

- B.Com LLB degree or Chartered Accountant.
- Minimum 3 years commercial banking experience (compliance, credit risk and / or credit).
- Admitted attorney.
- Commercial (company & insolvency law) experience including drafting experience and a good understand of the law of contract).**additional requirements**:
**responsibilities**:

- Take responsibility for all exposures in the Medium Corporate Office relating to Corporate Debtor Finance.
- Establish and foster sound working relationship with sales, credit and the various product houses in the Medium Corporate Office.
- Conduct monthly risk meetings and quarterly portfolio meetings.
- Attend and participate at regional credit meetings and, where applicable, debt restructuring meetings and CCC meetings.
- Deal with business rescue matters on behalf of FNB Commercial, Wesbank, Wealth and Personal Bank and attend business rescue credit committees.
- Identify high risk clients through, inter alia, management of the various ongoing risk management processes, such as: Excesses, Expired limits, Covenant monitoring, Risk behavior, High risk process.
- Managing a portfolio consisting of high-risk clients on an ongoing basis by conducting due diligence investigations and client visits, compiling status reports, maintaining a high risk client database, raising provisions and devising action plans and the implementation thereof.
- Assess and approve excesses in terms of approved excess mandates.
- Be pro-active in identifying risk and innovative in dealing with it.
- Re-grading exposures and hand over to Corporate Recoveries where necessary.
- Manage own development to increase own competencies.

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