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