Credit Head

Description

• To lead the design and management of a targeted independent credit review (oversight) capability to assess the quality of lending and ongoing management of credit risk within the Bank including adherence to risk appetite, credit policy and regulation; implement and drive the Credit Operations strategic objectives in line with overall Credit strategy and that of the bank

Duties

• Provide oversight on timely execution of quality deal conclusion and timely response to customer queries to influence customer satisfaction index and the bank’s retention strategy
• Provide custodianship and repository of the bank’s credit frameworks, policies and processes, as well as securities
• Evaluate credit risk management and approval structures, mandates of committees and individuals with clearly defined hierarchies and reporting structure
• Review credit risk Management Information and analysis provided by the Credit team, to identify risk and emerging trends to inform decision-making and improvement of business processes and policies for effective credit risk management, and to escalate and manage breaches where applicable
• Manage a team of dynamic individuals that can adapt to changing market environments whilst managing the credit risk of the bank within risk appetite

Requisites

• Have a Degree in Accounting/Finance/Business
• Management courses completed will be an advantage
• Have 5 to 8 years of experience in banking and credit in a senior role

Notes

• Only shortlisted applicants will be contacted
• 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