Job Purpose
To recommend and or grant credit in order to place quality assets on to the book and continued risk management across Nedbank.
Job Responsibilities
Validate client and supporting information by assessing the contents of the documents.
Analyse credit applications by assessing serviceability of the funding applied for.
Approve funding by making decision based on the credit policy guideline in conjunction with relevant Nedbank strategy and the analysis based on the information provided.
Suggest alternative funding solutions by making recommendations based on the credit policy guideline and the analysis based on the information provided where declined.
Build and maintain effective working relationships 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).
Enhance processes, policies and procedures by recommending and making submissions to the relevant parties.
Adapt to changes in Legislation by providing input to redesigning credit processes and systems where applicable.
Ensure processes are actioned within mandated signatories by checking and confirming the sign off.
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.
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.
Seek opportunities to improve business processes and systems by identifying and recommending effective ways to operate and adding value to Nedbank.
Requirements
NQF Level 7 or Higher in a Financial or Banking related field essential
CIMA, Credit management degree or equivalent will be advantageous.
Valid driver's license and own reliable vehicle
Min 5 Years' Credit Assessment / Credit Evaluation and decisioning experience within Banking environment
Min 3 Years' Business Banking experience in evaluating current and prospective clients financial Statements and credit reports to determine their ability to honour debt obligations.
Firm understanding of legalities associated with lending and collateral
1 - 2 Years' experience in a Team Management / Supervisory would-be advantage
Proven track-record on managing a large book.
Must be prepared to travel
Technical / Professional Knowledge
Banking knowledge
Banking procedures
Business Acumen
Communication Strategies
Data analysis
Governance, Risk and Controls
Industry trends
Nedbank policies and procedures
Principles of financial management
Principles of project management
Behavioural Competencies
Communication
Customer Focus
Decision Making
Work Standards
Managing Work
Technical/Professional Knowledge and Skills
Closing Date - 1 June 2026