Job Description

Requisition and Specialist Recruiter Details

REQ 141086 - Twanette Coetser

Closing Date - 30 July 2025
Cluster and Location

Total Business Banking and Retail - Commercial Underwriting Gauteng

Sandton, Gauteng
Career Stream
Credit Management
Leadership Pipeline
Manage Self: Professional

Manager: Credit

Job Purpose

The Credit Manager's objective is to assess and evaluate the lending application for Retail Relationship Banking clients, to minimise impairments and maximise profit.



This role includes consistent application of the Nedbank's credit policy, through a risk-based affordability assessment, periodic credit reviews of existing customers, and assessing the creditworthiness of potential customers within the agreed risk parameters as set out in the Nedbank Credit Strategy.

Job Responsibilities

Perform monitoring exercise to ensure business alignment to agreed risk appetite measures. Gain consensus and highlight pertinent credit risk issues by preparing and presenting reports to various forums. Align credit policy to changes in the regulatory environment and in line with best practice by scanning changes and making recommendations. Facilitate and guide monitoring activities by obtaining legal opinion and directives. Establish emerging risks by studying the external environment including competitors and the macro economy. Manage budget by controlling expenditure. Contribute towards financial targets by monitoring and improving credit risk. Identify, establish and maintain relationships with stakeholders to ensure buy-in of monitoring activities and recommendations. Provide independent opinion to stakeholders to inform prudent risk management. Challenge recommendations and policy changes made by the business to ensure thorough understanding of the risk involved. Represent Credit Risk by participating in Risk Committees and Forums. Ensure that the bank, in its lending practices, treats the customer ethically and fairly by being the customer's voice in Risk Committees and Forums. Ensure alignment to changes in regulations and Group Policy by contributing to the maintenance of an up to date credit policy. Deliver on the credit risk monitoring plan by managing resources and activities. Address immediate and emerging risks by performing ad hoc monitoring exercises. Ensure compliance of agreed corrective actions by continuous monitoring. Ensure alignment of business to policy and regulations by monitoring and making recommendations. Ensure clear direction of activities by establishing and following an annual visitation programme for all regions. Ensure accuracy and quality by monitoring work done by team. 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. 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 check-list. Ensure transformational targets 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.). Create a client service culture through various required interventions. Achieve operational excellence by supporting the implementation of business optimisation improvement through team engagement. Encourage team to generate innovative ideas and share knowledge.

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

Business administration and management Change management Client service management Financial Accounting Principles Governance, Risk and Controls Principles of project management Relevant regulatory knowledge Service level agreements Strategic planning Management information and reporting principles, tools and mechanisms Behavioural Competencies
Building Partnerships Earning Trust Coaching Communication Decision Making Inspiring others Guiding Team Success Planning and Organizing
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Please contact the Nedbank Recruiting Team at +27 860 555 566