Job Purpose
To provide a superior client service through people by applying sound lending credit principles thereby enabling Nedbank CIB to grow its client base within an acceptable credit risk appetite.
Job Responsibilities 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. 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). 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. Reviewing and evaluating internal rating models on an annual basis and providing thought leadership in the development and refresh of new and existing models. 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.
Essential Qualifications
Advanced Diplomas/National 1st Degrees
Preferred Qualification
Btech in Credit Management, Post Graduate Qualifications.
Essential Certifications
CA, CFA, MBA
Minimum Experience Level
5 to 10 years extensive experience or knowledge in credit granting across banking and lending products Extensive lending exposure to Leverage transaction, Acquisition, Sub-ordinated debt, Securitisation finance and Share-backed lending Diversified lending & trade finance Individual credit granting mandate held and discharged. Ability to work with and understand Basel and IFRS9 Rating models Technical / Professional Knowledge Banking knowledge Business principles Communication Strategies Data analysis Governance, Risk and Controls Research methodology Decision-making process Business Acumen Portfolio management Industry and Economic trends
Behavioural Competencies
Coaching Communication Decision Making Work Standards Managing Work Technical/Professional Knowledge and Skills
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Please contact the Nedbank Recruiting Team at +27 860 555 566
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