With FNB, you can be part of a company that offers you a career, not just a job. With a wide range of employment options and business areas to choose from, you are bound to find a perfect fit.
We share accountability with our employees and provide you with the best possible opportunities to learn and grow. We are breaking new ground with our innovative thinking and challenging our employees to think differently and develop into the thought leaders of the future.
The foundation of our success is in our entrepreneurial culture and the belief that our people are our single most important resource.
If you share our values of being : Helpful Effective Ethical Innovative Accountable and you have one simple goal : to improve the lives of customers through simple, effective solutions that meet their needs, contact us today and join a winning team.
All appointments will be made in line with the Bank’s EE Strategy.
Evaluates portfolio risks, makes final credit decisions and interacts with other departments regarding credit management strategies
experience and qualifications
Degree or Diploma. Customer service experience of at least 1 to 3 years.
The successful applicant must have extensive credit experience.
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 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 average approval turnaround time against target to ensure retention of clients.
Credit approval focus by Assessing credit applications as part of Credit Panel Comply with governance in terms of legislative and audit requirements Efficient management of 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 Ensure proper implementation, upkeep and accuracy of the Credit system and the raising of accurate provisions Apply credit roadmap and debt restructuring principles including the proper application of credit principles and a proper understanding of liquidation and restructuring processes Preparation of presentation credit related reports 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