about us
- Will always honour our commitments, be truthful in what we say and do, uphold high ethical and moral standards and be fair and equitable in all our dealings.
- In our owner manager culture we accept that we are the masters of our own destiny and therefore we will always take full responsibility and accountability for all our decisions and actions and never leave anything unfinished.
- Are empowered to innovate and come up with new ideas, as we value and nurture new ideas.
- We believe in and enjoy what we are doing and therefore we energetically and willingly nurture caring relationships with all our stakeholders in our exciting journey of uncompromisingly achieving our objectives.
- Respect the feelings, rights and abilities of our colleagues, clients and communities, even though they may be different from our own. We respect ourselves and our colleagues by not accepting or delivering average or poor performance. If the FNB values are congruent with your value set, and you have the necessary skills and competencies for the position advertised, then we are looking for you. Preference shall be given to suitably qualified applicants from the designated groups as defined in the Affirmative Action Act, 29 of 1998.
purpose
To evaluate portfolio risks, make credit decisions as per mandate and interacts with other departments regarding credit management strategies
experience and qualifications
- Minimum Qualification : CAIB or relevant Commercial Degree
- Experience : 2-4 years experience in a similar environment
- Will always honour our commitments, be truthful in what we say and do, uphold high ethical and moral standards and be fair and equitable in all our dealings.
- In our owner manager culture we accept that we are the masters of our own destiny and therefore we will always take full responsibility and accountability for all our decisions and actions and never leave anything unfinished.
- Are empowered to innovate and come up with new ideas, as we value and nurture new ideas.
- We believe in and enjoy what we are doing and therefore we energetically and willingly nurture caring relationships with all our stakeholders in our exciting journey of uncompromisingly achieving our objectives.
- Respect the feelings, rights and abilities of our colleagues, clients and communities, even though they may be different from our own. We respect ourselves and our colleagues by not accepting or delivering average or poor performance. If the FNB values are congruent with your value set, and you have the necessary skills and competencies for the position advertised, then we are looking for you. Preference shall be given to suitably qualified applicants from the designated groups as defined in the Affirmative Action Act, 29 of 1998.
To evaluate portfolio risks, make credit decisions as per mandate and interacts with other departments regarding credit management strategies
- Minimum Qualification : CAIB or relevant Commercial Degree
- Experience : 2-4 years experience in a similar environment
- Location: Windhoek
- Identify, control and escalate potential risks which may lead to increased costs
- Manage costs or expenses within approved budget to achieve cost efficiencies
- Deliver against operational and cost targets
- Prioritise resource allocation to minimise and reduce wastage
- Collaborate closely with relevant business units and
- FNB product houses as per strategy to identify revenue opportunities
- Drive opportunities for revenue growth and cost reduction such as adoption of digital and other self-service options across client base
- Resolve customer dissatisfaction/complaints by taking ownership of the problem
- Analyse customer feedback to help improve customer service
- Ensure that delivery is accurate, timeous and of an acceptable standard
- Ensure that product or service knowledge and advice is technically accurate
- Know and understand customer needs to deliver a quality service
- Propose ideas to improve customer service
- Meet or exceed service delivery targets in support of operational objectives
- Ensure that service delivery is accurate, timeous and of a high standard
- Build professional long-term relationships with customers based on trust that builds the brand
- Offer appropriate solutions to meet customer needs
- Provide customers with relevant information to keep them informed of products and service options
- Take all necessary actions to ensure compliance with relevant statutory, legislative, policy and governance requirements in area of accountability
- Ensure implementation of relevant policies, governance and practice standards across the business
- Maintain expert knowledge on relevant legislative amendments, industry best practices and FNB's internal compliance procedures and requirements
- Ensure compliance is adopted in terms of systems and procedures as laid out by FNB
- Implement and provide input into the development of governance and compliance procedures and processes within area of specialisation and identify risks
- Monitor client service reports and align processes to maximise client satisfaction and cost effectiveness
- Monitors and evaluates plans, focuses on results and measures attainment of outcomes
- Improve business decisions by providing accurate and reliable business intelligence (information) together with analysing trends and data
- Provide regular reports on delivery of services against agreed service level agreements and in terms of overall customer targets
- Accumulate information to review work progress that provides input to reporting, decision making and the identification of improvement opportunities
- 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 utilization based on effective lending principals applied during approval
- Appraise the risk factor where excesses over arrangements within prescribed responsibility are reported and institute suitable action to protect the
- Group from exposure (adequate limit- and excess management).
- Identifies and assess credit risks relating to new corporate proposals by ascertaining the degree to which lending principles and processes were applied in the formulation of the proposal
- Manage limits that are in excess of normal limit by reducing number against total limits.
- Apply credit roadmap and debt restructuring principles including the proper application of credit principles and a proper understanding of liquidation and restructuring processes
- Ensure proper implementation, upkeep and accuracy of the Credit system and the raising of accurate provisions