To provide a superior client service through people by applying sound lending credit principles thereby enabling Nedbank to grow its client base within an acceptable credit risk appetite.
Build and maintain effective working relationships with stakeholders by providing a range of specialized credit risk management advisory services.Manage client expectations by operating within the specified parameters and Service Level Agreements (SLA). Contribute to a culture conducive to the achievement of transformation goals by participating in Nedbank Culture building initiatives (e.g. staff surveys etc).Participate and support corporate responsibility initiatives for the achievement of business strategy (e.g.. Green Strategy).Seek opportunities to improve business processes and systems by identifying and recommending effective ways to operate and adding value to Nedbank. Ensure compliance by sanctioning credit decisions based on the credit policy guideline in conjunction with relevant Nedbank strategy and the analysis based on the information provided within applicable mandate.Enhance policies and procedures by recommending and making submissions to the relevant parties.Adapt to changes in Legislation, economic and industry conditions by implementing the changes to credit policies, processes and systems where applicable.Manage and sustain acceptable credit risk appetite by applying credit risk management processes to diverse portfolios.Give overview of the book by developing and preparing portfolio review presentations based on the Management Information System (MIS).Identify the various credit risks pertaining to a client by analysing and interpreting financial, market and business information.Ensure quality of submissions of credit applications /reviews / portfolio reports by reviewing and evaluating information from direct reports and stakeholders. Suggest alternative funding solutions by making recommendations based on the credit policy guideline and the analysis based on the information provided. Manage daily activities of direct reports by monitoring the staff output.Manage performance and build the intellectual capital of the team by conducting on the job training, counselling and coaching. Support the achievement of the business strategy, objectives and values by reviewing Nedbank and Business Unit Plan and ensuring delivered systems, process, services and solutions are aligned.Identify training courses and career progression for self through input and feedback from management.Ensure all personal development plan activities are completed within specified timeframe.Share knowledge and industry trends with team and stakeholders during formal and informal interaction.Obtain buy-in for developing new and/or enhanced processes (e.g. operational processes) that will improve the functioning of stakeholders' businesses by highlighting benefits in support of the implementation of recommendations.
Responsibilities + Skills
5 years extensive experience in credit granting across banking and lending productsRelevant software and systems knowledgeNedbank cultureNedbank policies and proceduresNedbank vision and strategyBusiness principlesBusiness writingBusiness AcumenBusiness terms and definitionsRelevant regulatory knowledgeIndustry and Economic trendsBanking knowledgeBanking proceduresResearch methodologyPrinciples of financial managementCluster Specific Operational KnowledgePrinciples of project managementCommunication StrategiesData analysisDecision-making processGovernance, risk and controlsProduct KnowledgePortfolio management
Essential Qualifications - NQF LevelAdvanced Diplomas/National 1st DegreesPreferred QualificationBtech in Credit Management, Post Graduate Qualifications.Preferred CertificationsType of ExposureConducting a needs analysis.Conducting gap analysisConducting root cause analysisAnalysing situations or data that require an in depth evaluation of multiple factorsDeveloping ways to minimize risksDrafting reportsManaging conflict situationsManaging multiple projects or portfoliosInfluencing stakeholders to obtain buy-in for concepts and ideasSharing information in different ways to increase stakeholders understanding.Brainstorming ways of improving a product/solution or situationChallenging the status quo with a view to improving the environment or people's understandingCommunicating standards to othersComparing two or more sets of information
Writing business proposalsPortfolio administrationWorking with a group to come up with alternative solutions to a problemInteracting with diverse people.Building and maintaining effective relationships externally and internallyAnalysing and interpreting qualitative and quantitative dataInteracting with various levels of managementAnswering internal customer questionsCommunicating complex informationIdentifying trendsChecking accuracy of reports and recordsCoordinating and securing buy-in from internal stakeholder