Credit Manager (m/f)


FNB Namibia is recruiting a Credit Manager (m/f), to be based in Windhoek, Namibia.
  • To evaluate portfolio risks, make credit decisions as per mandate and interacts with other departments regarding credit management strategies
  • 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
  • Prioritize resource allocation to minimize 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
  • Analyze 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 specialization and identify risks
  • Monitor client service reports and align processes to maximize 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 analyzing 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
  • Minimum Qualification : CAIB or relevant Commercial Degree
  • Experience : 2-4 years’ experience in a similar environment
  • Only shortlisted applicants will be contacted


  • Entity FNB NAMIBIA
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  • Published 16.09.2022
  • Expires 29.09.2022
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