Requisition & Specialist Recruiter DetailsClosing Date - 22 November 2024
Total Business Banking and Retail - Client Value Management
Cape Town
Credit Management
Manage Others
Senior Manager: CreditJob PurposeTo manage credit assessment through a team within a specific area / cluster in order to ensure the acquisition of quality assets; enhancement of revenues and maintenance thereof within laid down policies and procedures. Client Value Management understanding the client's needs and environment by ensuring proactive/innovative solutions and adherence to acceptable turnaround times. We have a career opportunity for a Senior Credit Manager to oversee the Credit Assessment and Deal Making area. This includes acquisition and growth of quality assets and assessment of associated risks. Through mastering this role you will have the opportunity to develop yourself personally and professionally and have opportunities to advance to more senior levels of credit leadership in a fast growing and enterprising business. The role gives you a vital link in supporting and ensuring successful credit granting process for Commercial Banking clients through the implementation of credit mandates and risk frameworks within Nedbank Policy and Procedure.
Join a team of great people, magnificent colleagues that are obsessed with getting things done!
Job ResponsibilitiesMinimise risks and grow assets through lending at acceptable risk levels.Enhance revenue by identifying sales opportunities through assessments and client visits.Manage returns through appropriate pricing for risk.Ensure client satisfaction through provision of proactive/innovative solutions and adherence to acceptable turnaround times.Understand client needs and their operating environment through regular interactions and visits.Build and maintain stakeholder relations through regular formal and informal engagements.Identify development areas through client surveys and 360 feedback from stakeholders.Provide good service and turnaround times to internal stakeholders by ensuring that requests are responded to timeously.Ensure staff operate within guidelines by monitoring policy compliance through reviews and audit processes.Review and recommend appropriate allocation of mandates through segmentation, reviews and audit processes.Operate within personal mandate through reviews and audit processes.Ensure that quality decisions are made by auditing credit decisions made by credit managers within their mandate.Ensure the book is appropriately risk rated and adequately impaired by analysing, investigating and monitoring high risk accounts (e.g., exception reports).Monitor and manage turnaround times by using the information systems available.Manage performance of staff by implementing performance agreements, ensuring a clear vision, agreeing on goals and objectives, providing regular feedback on performance (sharing information), recognising and rewarding achievement and taking appropriate corrective action where required.Mentor and coach staff on identified performance gaps by discussing these performance gaps and agreeing on appropriate action to be taken 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.Maintain a capable high performing team and ensure an environment for optimal performance is created by identifying talent pool through conducting career conversations, utilising the talent grid principles and developing talent retention programmes (e.g. rotation).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 checklist.Support and encourage staff to participate and support corporate responsibility initiatives.Achieve operational excellence by supporting the implementation of system and process enhancements through team engagement.Encourage team to generate innovative ideas and share knowledge.Minimum Experience Level5 - 10 Years' Credit Assessment and decisioning experience within Banking environmentMin 5 Years' Business Banking Credit experience in evaluating current and prospective clients financial Statements and credit reports to determine their ability to honour debt obligations in a Commercial and Agricultural environmentExtensive understanding of legalities associated with lending and collateralTeam Management / Leadership experience would-be advantageProven track-record on managing a large book.RequirementsNQF Level 7 or Higher in a Financial or Banking related field essentialCIMA, Credit management degree or equivalent will be advantageousOwn reliable vehicle and valid driver's license a mustMust be prepared to travelTechnical / Professional KnowledgeBusiness administration and managementClient service managementCommunication StrategiesGovernance, Risk and ControlsPrinciples of project managementRelevant regulatory knowledgeStrategic planningManagement information and reporting principles, tools and mechanismsBuilding PartnershipsEarning TrustCoachingCommunicationDecision MakingInspiring othersGuiding Team SuccessPlanning and Organizing
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