Private Credit Specialist at FNB in Bellville, Cape Town
FNB · Bellville, Cape Town, Western Cape
Overview
FNB is looking for a Private Credit Specialist to join their Private Credit team in Bellville, Cape Town. You will work with high net worth and ultra high net worth clients, assessing credit applications and structuring deals. This is a great opportunity if you have 1 to 3 years of credit experience, a BCom in Finance or Accounting, and you enjoy working with complex client portfolios. You will collaborate with lending specialists, advisory teams, and credit committees to make sound credit decisions.
About the role
FNB Private Credit is looking for a Private Credit Specialist to make informed credit decisions within a prescribed mandate. You will be part of a team that supports and manages a portfolio of high net worth and ultra high net worth clients.
What you will do:
- Evaluate applicant financials, credibility, stability, security, and business case viability
- Attend client meetings with the lending specialist and advisory team
- Understand the client's wealth creation strategy and identify lending opportunities
- Structure deals and compile credit papers
- Present requests to mandated individuals or committees
- Explain credit outcomes, covenants, structure, and process to clients
Application note: Applications close on 29 November 2026. Apply via the FNB official careers site. Late applications will not be accepted.
Requirements
- BCom Finance or Accounting (CA advantageous)
- 1 to 3 years plus credit experience
- Deep understanding of financial statement analysis and credit risk assessment
- Ability to model cash flows for debt service, build forecasting assumptions, conduct key ratio analysis, and construct covenants
- Dealmaking and solutionist mindset
- Excellent communication and collaboration skills
- Self-motivated with attention to detail and high integrity
- Strong writing, speaking, and presentation skills
Responsibilities
- Support and manage a portfolio of HNW and UHNW clients
- Attend client meetings with the lending specialist and advisory team
- Maintain deep knowledge of the client and larger group structure across lending, investments, insurance, and transactions
- Understand the client's wealth creation strategy and lending needs
- Analyse financial ratios, cash flows, trends, and projections for operating and investment entities
- Assess industries the client operates in for upsides, risks, and trends
- Structure deals and compile credit papers
- Present credit requests to mandated individuals or committees
- Explain credit outcomes, covenants, structure, and process to clients
- Track and monitor ongoing risk and deal specific reviews and covenants
- Engage stakeholders across FSR to ensure client level decisioning
- Proactively manage risk triggers and events
- Deliver excellent customer experience aligned to organizational values
- Innovate to improve value add and client experience with a cost reduction mindset
Job details
- Organisation
- FNB
- Location
- Bellville, Cape Town, Western Cape
- Job type
- Full time
- Experience level
- Junior (1+ years)
- Education
- Bachelor
- Category
- Banking & Insurance
- Posted
- 28 October 2026 (1 week ago)
- Closing date
- 29 November 2026
- Application Method
- Apply online
Success Guide
This is a great role if you are building a career in credit and want to work with high value clients at one of South Africa's biggest banks. When you apply, make sure your CV clearly shows your credit experience and your ability to analyse financial statements. Use the exact job title and reference R54824 in your application. In an interview, be ready to talk through a credit deal you have worked on and how you assessed risk. Show that you understand cash flow modelling and can explain complex financial ideas clearly. FNB values teamwork and innovation, so bring examples of how you have collaborated with others. Also, note that the closing date is 29 November 2026 and applications must go through the FNB careers site. Good luck.
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