Manager: Credit

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.

Essential Qualifications - NQF Level

Advanced Diplomas/National 1st Degrees

Essential Certifications

• Chartered Accountant Masters in Business Administration CFA CIMA

Minimum Experience Level

5 years practical Credit experience

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

Closing Date

• 28 September 2026

Behavioural Competencies

• Communication
• Customer Focus
• Decision Making
• Work Standards
• Managing Work
• Technical/Professional Knowledge and Skills