– 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 are typically required for a Credit Manager in Commercial Banking Origination?
A Credit Manager in Commercial Banking Origination typically requires a Bachelor's degree in Finance, Accounting, or a related field, as well as relevant certifications such as a Credit Analyst certification. Some employers may also prefer candidates with a Master's degree in Business Administration (MBA) or a related field. Professional certifications like FRM or CFA can be advantageous.
What are the common day-to-day responsibilities of a Credit Manager in Commercial Banking Origination?
As a Credit Manager in Commercial Banking Origination, typical day-to-day responsibilities include evaluating creditworthiness of clients, analyzing financial statements, and making recommendations for credit limits and terms. You will also be responsible for managing a team of credit analysts, monitoring credit portfolio performance, and ensuring compliance with regulatory requirements. Effective communication with clients and stakeholders is also essential.
What is the local work culture and expectations in Botswana for this role?
In Botswana, employers expect Credit Managers to be highly analytical, detail-oriented, and possess excellent communication skills. The work culture is generally professional, and Credit Managers are expected to work closely with cross-functional teams, including sales, risk, and relationship management. Flexibility and adaptability are also essential in a dynamic banking environment.
What are the typical benefits offered for this role in Botswana?
Typical benefits for a Credit Manager in Commercial Banking Origination in Botswana may include a competitive salary, medical aid, pension scheme, and annual leave. Other benefits may include bonuses, group life insurance, and access to employee wellness programs. The specific benefits package will vary depending on the employer and industry standards.
How can I apply for this role and what do employers in Botswana look for?
To apply for a Credit Manager role in Commercial Banking Origination in Botswana, you can search for job openings on popular job boards, company websites, or recruitment agency platforms. Employers typically look for candidates with relevant experience in credit management, strong analytical skills, and excellent communication skills, as well as a good understanding of banking regulations and industry trends in Botswana.
What are the realistic career progression and growth paths for a Credit Manager in Commercial Banking Origination?
With experience, a Credit Manager in Commercial Banking Origination can progress to senior roles such as Head of Credit, Risk Manager, or Portfolio Manager. Alternatively, you may move into related fields such as relationship management, business development, or strategy. Career growth opportunities will depend on individual performance, skills, and interests, as well as market demand and industry trends.
