To apply credit risk management principles and manage staff in order to minimize risk and impairment charges and to provide client services in support of Nedbank strategies.

Job Responsibilities

• Manage reports through early actioning of exceptions.
• Manage and rehabilitate clients by getting backward roll on arrears
• Identify systems and process improvement initiatives by escalating for decisions to relevant stakeholders.
• 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.
• Action reports by monitoring, distributing and collating information.
• Manage and support direct reports by providing advise on strategies and/or deliverables.
• Utilize resources by allocating according to business needs.
• Analyse client information to assess level of risk by interpreting financial information within the ambit of banking regulations.
• Resolve work challenges by initiating action plans in accordance with policies and procedures.
• Contribute to policy, procedures and standards enhancement by providing input/suggestions.
• 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.
• 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.

Requirements

• 5 – 8 years credit lending or credit risk experience in a banking environment
• 2 years’ managerial experience
• NQF Level 6 or Higher in a Finance, Business, Banking or Insolvency-related field
• A Credit Record is essential

Technical / Professional Knowledge

Behavioural Competencies