Business Judgemental Credit Manager (R44890)
Job Overview: Business Judgemental Credit Manager
- Company: First National Bank (FNB)
- Division: FNB Commercial Credit
- Location: Bloemfontein
- Job Type: Full-time, Permanent
- Job Requisition ID: R44890
- Closing Date: 28 January 2026
Role Purpose
The Business Judgemental Credit Manager is responsible for evaluating, managing, and approving credit risk within an allocated commercial portfolio. The role ensures alignment with FNB’s risk appetite, credit mandates, and asset growth targets by applying sound judgement, credit frameworks, and methodologies while supporting internal stakeholders and delivering high-quality client outcomes.
Key Responsibilities
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Manage a credit portfolio within the bank’s risk appetite and asset growth targets
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Assess annual reviews and ad-hoc credit applications within allocated mandate structures
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Identify and manage credit risk at origination and throughout the credit lifecycle
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Monitor daily excesses and ensure corrective action is taken
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Perform covenant compliance monitoring (monthly, quarterly, bi-annual, and annual)
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Conduct client visits jointly with frontline sales teams when required
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Present credit applications to Credit Committees according to mandate levels
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Perform secretarial duties for the Provincial Credit Committee, where required
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Approve or recommend counterparty exposure across multiple products, including:
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Working capital facilities
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Term loans
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Specialised finance products
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Ensure efficient credit approval turnaround times to support client retention
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Provide recommendations to higher mandate holders when required
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Manage expired limits, early warning indicators, and portfolio risks proactively
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Ensure workflow efficiency and compliance with agreed SLAs
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Maintain compliance with legislative, regulatory, and audit requirements
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Stay informed on local and global economic trends and regulatory changes
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Provide expert credit risk advice to relevant stakeholders
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Foster collaboration and strong stakeholder relationships across the business
Minimum Qualifications & Experience
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Bachelor of Commerce (Honours), CA(SA), or equivalent B-degree
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2–5 years’ experience in Enterprise / Commercial Credit (preferred)
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Strong exposure to judgemental credit assessment and portfolio risk management
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Experience working within defined credit mandates and approval structures
Key Skills & Competencies
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Advanced credit analysis and risk assessment skills
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Strong commercial and financial acumen
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Sound judgement and decision-making ability
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Excellent stakeholder engagement and communication skills
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Ability to manage complex credit structures and portfolios
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Strong organisational and workflow management skills
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Client-focused with a service excellence mindset
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Adaptable, analytical, and detail-oriented
Ideal Candidate Attributes
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Curious and continuously learning
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Comfortable operating in a fast-paced, regulated environment
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Collaborative and solution-oriented
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Client-centric while maintaining strong risk discipline
What FNB Offers
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Opportunities to collaborate with industry experts
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A challenging and innovative commercial banking environment
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Exposure to complex credit portfolios and strategic decision-making
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A culture that supports growth, learning, and transformation