Job Description To make informed credit decisions within a prescribed mandate. This role entails considered evaluation of applicant financials, credibility, stability, security and business case viability, and demands prudent discretionary judgement regarding deal assessment. The Commercial Credit Specialist is required to work collaboratively and as such, must be a strong team player Hello Future Structured Credit Specialist Welcome to FNB, the home of the #changeables. We design for the shapeshifters and deliver products and services that make us incredibly proud of people that make it happen. As part of our team in FNB Private Credit, you will be surrounded by unique talents, diverse minds, and an adaptable environment that lives up to the promise of staying curious. Now’s the time to imagine your potential in a team where experts come together and ignite effective change. Location: Cape Town Are you someone who can: · 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. 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); various lending products available to solution for the client across FSR; risk vs Reward principles and overall value proposition. · Structuring the deal and compiling 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 You will be an ideal candidate if you can: · Track and monitoring ongoing risk relevant to a client group, as well as deal specific reviews and covenants · Flag and unpacking 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 You will have access to: · Opportunities to network and collaborate · A challenging working environment · Opportunities to innovate We can be a match if you have: · A BCom Finance / Accounting (CA advantageous) · A business acumen with 1-3 years plus credit experience · A 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 Apply now if you are interested in taking the next step. We look forward to engaging with you! All appointments will be made in line with FirstRand 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. #POST #FNB #LI-TN2 Important Closing Date Note Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below. 29/11/26 All appointments will be made in line with FirstRand 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. Introduce yourself to our recruiters and we will get in touch if there's a role that seems like a good match. Should you have any queries, please log it via MyQ. FirstRand provides a comprehensive range of financial services in South Africa and certain markets in broader Africa. The group also offers certain niche products and services in the UK and India. Listed on the Johannesburg Stock Exchange (JSE) and the Namibian Stock Exchange (NSX), FirstRand Limited is the largest financial institution by market capitalisation in Africa. The group follows a multi-branding approach. Its portfolio of financial services businesses includes FNB, RMB, WesBank, Ashburton Investments, Aldermore, MotoNovo and DirectAxis. Many are leaders in their respective segments and markets, offering transactional, lending, investment and insurance products and services The FirstRand Corporate Centre houses many of the critical functions required by a large and complex financial services group. The group's track record of delivering superior returns to shareholders has been achieved through a combination of organic growth, acquisitions, innovation and the creation of completely new businesses. The group’s purpose of delivering Shared Prosperity provides many opportunities for employees to innovate to address social and environmental challenges in our markets. All of our businesses have successful Volunteering programmes which also allow employees to adopt and support causes close to their hearts.

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