Senior Manager: Credit Risk

• Manage reports through early actioning of exceptions and arrears and excesses.
• Manage daily activities of direct reports by monitoring the staff output.
• Suggest alternative funding solutions by making recommendations based on the credit policy guideline and the analysis based on the information provided.
• Adapt to changes in Legislation, economic and industry conditions by implementing the changes to credit policies, processes and systems where applicable.
• Manage and rehabilitate clients through assessing clients financials either through physical or virtual engagements and provide alternate funding solutions.
• Identify systems and process improvement initiatives by escalating for decisions to relevant stakeholders.
• Make correct credit decisions on a consistent and timeous basis first time round by complying to service level agreements.
• Demonstrate an understanding of client needs by providing feedback on application decisions based on Nedbank's risk appetite.
• Upskill stakeholders by sharing knowledge on service offerings and client needs.
• Guide and support internal stakeholders through formal or informal knowledge sharing.
• Collaborate with external stakeholders through regular communication and feedback.
• Action reports by monitoring, distributing and collating information.
• Manage and support direct reports by providing advise on strategies and/or deliverables.
• Utilize resources by allocating activities according to business needs.
• Interpret, analyse and draw logical conclusions on client information to assess level of risk by interpreting financial information within the ambit of banking regulations, and formulate client solutions.
• Resolve work challenges by initiating action plans in accordance with policies and procedures.
• Contribute to policy, procedures and standards enhancement by providing input/suggestions.
• Support the achievement of the business strategy, objectives and values by reviewing Nedbank 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.

Essential Qualifications - NQF Level

• Matric / Grade 12 / National Senior Certificate
• Diploma

Preferred Qualification

• B.Tech in Credit Management or B.Comm or studying towards a degree in Finance, Banking or Commerce

Minimum Experience Level

• 2 years managerial experience
• 5 -8 years credit lending or credit risk experience in a banking environment.

Behavioural Competencies

• Driving for Results
• Decision Making
• Planning and Organizing
• Aligning Performance for Success
• Building Trusting Relationships
• Building Partnerships

Technical / Professional Knowledge

• Data analysis
• Governance, Risk and Controls
• Industry trends
• Principles of financial management
• Relevant regulatory knowledge
• Working with a group to identify alternative solutions to a problem
• Building and maintaining effective relationships with internal and external stakeholders
• Analysing and interpreting quantitative and qualitative data
• Relevant Nedbank policies and procedures
• Banking knowledge