Retail Judgemental Credit Specialist

Job Summary

To assess and evaluate credit facilities (new and/or existing) based on sound credit and financial principles which supports the minimizing of risk to the bank.

To manage area of responsibility, through putting appropriate systems, processes and procedures ensure that legal and regulatory compliance is adhered to as well as to provide inputs to the Credit and Departmental strategy in the definition of operational targets for the whole team.

Regions:
Cape Town, Johannesburg, Inland, KZN.

• Support and manage a portfolio of HNW & UHNW clients
• Attend client meetings together with the lending specialist and advisory team
• Deep knowledge of the client and larger group structure across all pillars (lend, invest, insure and transact)
• Understand the client’s wealth creation strategy; immediate lending need vs unlocking value, optimizing the balance sheet and spotting lending opportunities
• Review operating and Investment entities within the group in respect of financial ratios, cash flows, trends; historic performance, sustainability, projections and future aspirations; industries the client is operating in (upsides, risks, trends etc)
• Identify various lending products available to solution for the client across FSR; risk vs Reward principles and overall value proposition
• Structure the deal and compile the credit paper
• Present the request to the relevant mandated individuals or committees
• Explain the credit outcome, covenants, structure and process to the client and sale
• Track and monitor ongoing risk relevant to a client group, as well as deal specific reviews and covenants
• Flag and unpack economic and industry trends/risks within the portfolio
• Engage various stakeholders across FSR to ensure client level decisioning and solutions
• Pro‑actively manage risk vs triggers/events
• Deliver customer experience excellence aligned to Organizational values and service standards
• Innovate and have an efficient mindset to constantly improve the overall value add and client experience of this base with a cost reduction and management mindset

• BCom Finance / Accounting (CA advantageous)
• 1-3 years plus credit experience
• Deep understanding of financial statement analysis and credit risk assessment
• The ability to model cash flows for debt service considering industry and company specific information; building assumptions for forecasting; key ratio analysis and covenant construction
• Dealmaking and solutionist mindset
• Excellent communication and collaboration skills with both internal and external customers (sales, credit & risk community, clients etc.)
• Self‑motivated, work independently and within a group, attention to detail, high level of integrity
• Writing, speaking and presentation skill sets

• Opportunities to network and collaborate
• A challenging working environment
• Opportunities to innovate

All appointments will be made in line with First Rand 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.

Applications will not be accepted on or after 31/08/26. Please submit applications ahead of the closing date indicated above.