Vacancies at FNB Lesotho - Ends 19th February 2016

An exciting opportunity exists within FNB Lesotho for a suitable Mosotho candidate to fill the position of Head of Credit reporting to the CEO. Applications are invited from Basotho who are interested in and qualify for this position. Application letters accompanied by a detailed curriculum vitae and names and contact details of three referees must be sent to:
The Head of Human Resource, Corner Kingsway and Parliament Road, or email to: lthamae@fnb.co.za closing date for Applications is 19th February 2016.

Key Areas of Responsibilities;
• Develop and implement differentiated Credit service models for the group and segments by maintaining the credit provisioning Models in the Consumer environment
• Cultivate and manage objective working relationships with a variety of stakeholders, including end-users, SME’s, project managers and senior staff members
• Maintenance of expert knowledge on relevant legislative amendments, industry best practices and provision of proactive advice and solutions to relevant stakeholders
• Identify opportunities to expand customer base with creditworthy and potentially profitable customers
• Define a Credit portfolio growth strategy in line with predetermined growth targets, which are determined on an annual basis through conducting competitor analysis and innovating new value propositions by developing sales initiatives which align with the various segment strategies
• Comply with governance in terms of legislative and audit requirements
• Develop ongoing credit risk management principles Portfolio
• Develop and maintain early detection tools in Fraud
• Applying credit roadmap and debt restructuring principles including the proper application of credit principles and a proper understanding of liquidation and restructuring processes.
• Identify opportunities to increase profit of existing customers by providing innovative campaigns while maintaining risk within suitable boundaries.
• Authorize complex, high risk and highly profitable credit applications by assessing high credit risk and potential high profitable applications as part of Credit Panel.
• Improve business decisions by providing accurate and reliable business intelligence (information) together with analyzing trends and data.
• Plan and manage performance, skills development, employment equity, talent and culture of team in order to improve innovation, achieve efficiencies and increase competencies.
• Manage personal development to increase own skills and competencies.
• The ability to integrate information from a variety of sources, discern complex underlying relationships and predict patterns for future growth.
• The ability to make firm, sometimes difficult, decisions fairly and compassionately based on facts, criteria and disciplined, logical think.
• Plan and manage performance, skills development, employment equity, talent and culture of team in order to improve innovation, achieve efficiencies and increase competencies.
Qualifications:
• BComm Accounting or Finance
• Honors in Finance or Bsc in Mathematics / Statistics
Experience:
• 8 to 10 Years related experience
Competencies and Skills:
• The ability to integrate information from a variety of sources, discern complex underlying relationships and predict patterns for future growth.
• The ability to make firm, sometimes difficult, decisions fairly and compassionately based on facts, criteria and disciplined, logical thinking.
• Use verbal and non-verbal communication skills to influence an audience and negotiate acceptance of proposals, plans or ideas
• Listens attentively, presents information in a clear manner and responds appropriately to the verbal and written communication of others; includes the ability to regulate delivery in response to the needs of the target audience
• Utilises relevant economic, financial and industry data to assess business performance and make recommendations to ensure continue growth, viability and competitive advantage within sensible risk parameters
• Able to identify and integrate trends in the organisation, industry and global context, combined with the capacity to articulate their potential impact
• Remains level-headed in situations of stress or pressure and persists in pursuing goals despite obstacles and setbacks
• Identifies talent and plans and supports people’s professional development (includes coaching and mentoring competencies.
• Actively influences the commitment of team members through personal action and
Endeavour.
• The capacity to orientate the work experience of followers towards the purpose and mission of the organisation. This aspect of leadership is focused on building the context that helps people understand why their work is important and valuable and ensures that plans, processes and efforts are aligned with the aims of the organisation and that they support rather than negate its aims and efforts.