• Ensure financial growth  through limiting risk and applying credit principles to credit applications.
• Adhere to agreed turnaround times without compromising validity and quality of assessment by complying to policies, procedures, processes and standards.
• Limit reworks by providing guidance and support to internal/external stakeholders.
• Manage and monitor individual efficiency and quality of output by conducting quality assurance/audits and analysing appeals and monthly statistics.
• Make  correct credit decisions on a consistent basis first time round by complying to service level agreements.
• Demonstrate an understanding of client needs by providing feedback on application decisions based on Nedbank’s risk appetite.
• Upskill stakeholders by sharing knowledge on service offerings and client needs.
• Guide and support internal stakeholders through formal or informal knowledge  sharing.
• Collaborate with external stakeholders through regular communication and feedback.
• Manage staff and resources through  queue management  by ensuring compliance to service level agreements/strategic objectives
• Identify challenges by conducting audits/spot checks and taking corrective action.
• Determine trends in team performance by analysing consolidated performance data and addressing deviances.
• Refine and enhance systems, processes and policies through participation in special projects.
• Make decisions by applying credit management principles and considering merits on individual basis
• Manage performance of staff by implementing performance agreements, ensuring a clear vision, agreeing on goals and objectives, providing regular feedback on performance, recognising and rewarding achievement and take appropriate corrective action where required.
• Mentor and coach staff on identified performance gaps by discussing these performance gaps and agree on appropriate action to be taken.
• Motivate staff to perform and contribute to the success of the business by creating environment of teamwork through engaging with staff (sharing information) and encouraging participation in decision making processes.
• Stay abreast in field of expertise and deliver on the expectations from stakeholders by building capability of self and staff through identifying current and future training and development needs.
• Contribute to team effectiveness by  following the recruitment process when recruiting talent.
• Ensure self and staff understand and embrace the Nedbank Vision and Values by leading by example and re-enforcing values during meetings.
• Manage the on boarding process of new employees by ensuring execution of preparations according to the on-boarding check-list.
• Ensure transformational target are met  for own team through consideration of targets during the staff recruitment, retention  and training process and utilising suppliers listed on the preferred supplier list.
• Contribute to a culture conducive to the achievement of transformation goals by participating in Nedbank Culture building initiatives (e.g. staff surveys etc.).
• Participate in the development and implement action plans to address issues raised in culture surveys to improve results.
• Address issues raised in culture surveys by participating in the development and implementation of action plans.
• Create a client service culture through various required interventions.
• Support and encourage staff to participate and support corporate responsibility initiative.
• Achieve operational excellence by supporting the implementation of business optimisation improvement through team engagement.
• Encourage team to generate innovative ideas and share knowledge.

Minimum Experience Level

5 years experience in Credit Assessment and Banking

Essential Qualifications – NQF Level

Essential Qualification

B.Comm in Credit Management: Certificte in Retail Banking.

Technical / Professional Knowledge

Behavioural Competencies