– Prepare and originate new credit applications, ensuring high-quality and timely submissions to sanctioning teams and relevant credit committees.
– Conduct annual credit reviews of portfolio clients and ensure credit applications are successfully approved on schedule.
– Lead the presentation and defend credit applications at local, regional, and Board Credit Committees .
– Ensure timely identification of accounts with early warning signals and recommend quality credit solutions for continued management within the portfolio or for downgrade.
– Efficiently and satisfactory provide quality query resolutions to the Commercial Banking and Credit functions.
– Maintain a thorough understanding of the Botswana business environment, industry trends, and the Bank’s credit systems and processes.
– Monitor credit conditions, risk triggers and covenants and ensure quality submissions to Credit, highlighting breaches and mitigating factors where necessary.
– Ensure compliance with all internal and regulatory credit policies. Proper maintenance of credit files and ensure audit readiness at any time.
Job Summary
- Employer: FNB (First National Bank), part of FirstRand Group
- Job Type: Full-time
- Location: Gaborone, Botswana
- Category: Credit Management
- Closing Date: 2026-09-27
Key Responsibilities
- Manage the credit risks associated with the portfolio .
- Prepare and originate new credit applications, ensuring high-quality and timely submissions to sanctioning teams and relevant credit committees.
- Conduct annual credit reviews of portfolio clients and ensure credit applications are successfully approved on schedule.
- Lead the presentation and defend credit applications at local, regional, and Board Credit Committees .
- Ensure timely identification of accounts with early warning signals and recommend quality credit solutions for continued management within the portfolio or for downgrade.
- Efficiently and satisfactory provide quality query resolutions to the Commercial Banking and Credit functions.
- Maintain a thorough understanding of the Botswana business environment, industry trends, and the Bank’s credit systems and processes.
- Monitor credit conditions, risk triggers and covenants and ensure quality submissions to Credit, highlighting breaches and mitigating factors where necessary.
- Ensure compliance with all internal and regulatory credit policies. Proper maintenance of credit files and ensure audit readiness at any time.
Requirements
- Business/Accounting/Finance Degree. CA, MBA or CFA will be added advantage.
- At least three (3) years’ experience in same field
How to Apply
About the Company
FNB Botswana is a licensed commercial bank operating in Botswana under the supervision of the Bank of Botswana. It provides retail, business, and corporate banking services across major urban centres including Gaborone, Francistown, and Maun. The bank launched operations in Botswana in 2011 after acquiring the former Botswana National Bank. FNB Botswana is a wholly owned subsidiary of FirstRand Limited, but it holds its own banking licence and operates independently within Botswana’s regulatory framework.
Banking and financial services in Botswana
Frequently Asked Questions
What qualifications and certifications are required for a Credit Manager in Commercial Banking Origination at FNB Botswana?
Typically a bachelor's degree in finance, economics, or business administration is required, along with a professional qualification such as a Chartered Financial Analyst (CFA) or Certified Credit Analyst (CCA). Experience in commercial credit underwriting and familiarity with Botswana's banking regulations is highly valued.
What are the day-to-day responsibilities of a Credit Manager in Commercial Banking Origination?
The role involves assessing and approving credit applications for corporate clients, conducting financial due diligence, and structuring loan terms that align with risk appetite. Additionally, the manager monitors portfolio performance, updates credit policies, and collaborates with relationship managers to support business growth.
What is the work culture like for credit professionals in Botswana, and what expectations should I prepare for?
Botswana's banking sector values punctuality, professionalism, and a collaborative approach, with a strong emphasis on ethical conduct and regulatory compliance. Employees are expected to maintain clear communication with clients and internal stakeholders, and to adhere to strict confidentiality standards.
What career progression opportunities exist for a Credit Manager in commercial banking within FNB Botswana?
Starting as a Credit Analyst or Associate, one can advance to Senior Credit Manager, then to Head of Credit or Regional Credit Director, depending on performance and leadership skills. Continuous professional development and cross-functional exposure are key to moving into strategic roles.
What benefits and application process should I expect when applying for this role in Botswana?
Typical benefits include paid leave, medical aid contributions, pension scheme participation, and performance-based incentives. To apply, submit a tailored CV and cover letter through FNB's online portal, and prepare for a competency-based interview that assesses technical knowledge and behavioral fit.
