Credit Manager

Description

• To evaluate portfolio risks, make credit decisions as per mandate and interacts with other departments regarding credit management strategies

Duties

• Identify, control and escalate potential risks which may lead to increased costs
• Manage costs or expenses within approved budget to achieve cost efficiencies
• Deliver against operational and cost targets
• Prioritise resource allocation to minimise and reduce wastage
• Collaborate closely with relevant business units and
• FNB product houses as per strategy to identify revenue opportunities
• Drive opportunities for revenue growth and cost reduction such as adoption of digital and other self-service options across client base
• Resolve customer dissatisfaction/complaints by taking ownership of the problem
• Analyse customer feedback to help improve customer service
• Ensure that delivery is accurate, timeous and of an acceptable standard
• Ensure that product or service knowledge and advice is technically accurate
• Know and understand customer needs to deliver a quality service
• Propose ideas to improve customer service
• Meet or exceed service delivery targets in support of operational objectives
• Ensure that service delivery is accurate, timeous and of a high standard
• Build professional long-term relationships with customers based on trust that builds the brand
• Offer appropriate solutions to meet customer needs
• Provide customers with relevant information to keep them informed of products and service options
• Take all necessary actions to ensure compliance with relevant statutory, legislative, policy and governance requirements in area of accountability
• Ensure implementation of relevant policies, governance and practice standards across the business
• Maintain expert knowledge on relevant legislative amendments, industry best practices and FNB's internal compliance procedures and requirements
• Ensure compliance is adopted in terms of systems and procedures as laid out by FNB
• Implement and provide input into the development of governance and compliance procedures and processes within area of specialisation and identify risks
• Monitor client service reports and align processes to maximise client satisfaction and cost effectiveness
• Monitors and evaluates plans, focuses on results and measures attainment of outcomes
• Improve business decisions by providing accurate and reliable business intelligence (information) together with analysing trends and data
• Provide regular reports on delivery of services against agreed service level agreements and in terms of overall customer targets
• Accumulate information to review work progress that provides input to reporting, decision making and the identification of improvement opportunities
• 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 principals applied during approval
• Appraise the risk factor where excesses over arrangements within prescribed responsibility are reported and institute suitable action to protect the
• Group from exposure (adequate limit- and excess management).
• Identifies and assess credit risks relating to new corporate proposals by ascertaining the degree to which lending principles and processes were applied in the formulation of the proposal
• Manage limits that are in excess of normal limit by reducing number against total limits.
• Apply credit roadmap and debt restructuring principles including the proper application of credit principles and a proper understanding of liquidation and restructuring processes
• Ensure proper implementation, upkeep and accuracy of the Credit system and the raising of accurate provisions

Requisites

• Minimum Qualification:
• CAIB or relevant Commercial Degree
• Experience:
• 2-4 years’ experience in a similar environment

Notes

• Only shortlisted applicants will be contacted