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Credit Head B - IRC167387

FNB can trace its origins back to the Eastern Province Bank, which was formed in Grahamstown, South Africa in 1838. By 1874, the bank had four 4 branches – Grahamstown, Middelburg, Cradock and Queenstown.

Due to a recession, the bank was bought out in 1874 by the Oriental Bank Corporation (OBC). However, as a result of financial difficulties being experienced in India, the OBC decided to withdraw from South Africa. The Bank of Africa was subsequently formed in 1879 to take over OBC’s business in South Africa.

Purpose

  • The incumbent will be the Credit Portfolio Manager overseeing and managing the day to day functions of the Credit Portfolio and the leadership of the Credit team across regions and business units.
  • The person will be responsible for designing and implementing the Credit Strategy in alignment with the Sales strategy and Head of Sales.

Experience and Qualifications

  • B Comm Accounting or Finance 8 to 10 Year related experience

Responsibilities

  • Accountable for ongoing management of non-performing loan portfolio
  • Accountable for the accurate and timeous portfolio reporting
  • Align Credit Strategy and Credit Appetite with Business Sales Strategy
  • Assessment and motivation of investment spend
  • Bad Debts performance and economic outlook
  • Contribution into the Commercial budget process
  • Dynamic adjustment of models and credit appetite given
  • Ensure appropriate approval mandate framework
  • Facilitate deal making culture
  • Input into the tracking and improving of Basel Compliance
  • Manage headcount
  • Oversee cost control and actions
  • Oversee the accuracy and timeous BA return submitted
  • Oversees the ongoing credit process, systems and model requirements
  • Participate in Commercial EXCO
  • Participates in regular sales interactions and alignment
  • Participation into the innovation and design of new projects
  • Recoveries capacity and skills management
  • Responsible and oversees the implementation of projects
  • Responsible for coaching and mentorship – i.e. oversees the performance management process
  • Responsible for the ongoing, updating and reviewing of rating and scoring models
  • Set Credit Strategy, implement, execute and communicate Commercial Strategy to Credit staff
  • Targeted portfolio measurement of Credit Appetite
  • Tracking and measurement of bad debts and provisioning
  • Undertakes regional and client visits

How to Apply

Submit your CV and application on company website:

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First National Bank Zambia Ltd (FNB)
First National Bank Zambia Ltd (FNB)
Lusaka
Personal banking
Business banking
Corporate finance
Investment
Mortgages
Loans
Electronic payment systems
First National Bank Zambia (FNB) is a subsidiary of the South African banking group FirstRand Group, with operations in Botswana, Lesotho, Mozambique, Namibia and Swaziland. Established in 2009 in Zambia it offers a wide range of banking products, including cheque and savings accounts, personal and home loans, student loans, mortgage loans, business loans, credit and debit cards, vehicle finance, investments, online and mobile banking as well as corporate finance.
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