First National Bank (FNB) is one of the “big four” banks in South Africa and a division of the financial services conglomerate, FirstRand. It provides a full range of banking and financial services to individuals, businesses, and corporations. An acclaimed mobile banking app and online banking platforms that offer secure and convenient access to financial services, including Secure Chat for customer support.

Are you someone who can:

• 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

You will be an ideal candidate if you can:

• Ensure average approval turnaround time against target to ensure retention of clients.
• Focus on credit approval by Assessing credit applications as part of Credit Panel
• Comply with governance in terms of legislative and audit requirements
• Manage 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