Manager Credit Risk Early Collections - Sandton at Nedbank

Key Deliverables:

• Daily contact with clients and bankers to remediate portfolio across all client portfolio of accounts.
• Credit and Credit Risk assessment and collections of arrears/excesses of all products namely Current Accounts, Savings Accounts, Home Loan accounts, Commercial & Industrial Property, Personal Loan accounts, Term loans and Asset Based Finance [motor vehicles/yellow goods.

Job Responsibilities

• Manage default accounts timeously by obtaining acceptable repayment arrangements or handover portfolio to Legal collections.
• Ensure clean audit in area of responsibility by enforcing adherence to bank policies, process and procedures and industry regulations.
• Managing and preparing portfolio review presentations based on Management Information Systems (MIS).
• Implement sound credit risk management by providing advice on specialized credit risk matters to sales.
• Ensure efficient work ethic and achievement of business unit strategies & goals by proposing innovative ideas to enhance Business processes that facilitate customer experience.
• Provide feedback daily/weekly/ monthly
• Meet clients' expectations by resolving queries within turnaround times.
• Build and maintain effective working relationships by attending regular staff meetings and team building sessions.
• Build strong relationships with bankers by providing upskilling advice on credit processes, policies and documentation.
• Sharing knowledge with all stakeholders.
• Manage own efficiency by drafting and implementing team's strategies.
• Enhance processes by constantly seeking innovative improvements to the credit systems.
• Adapt to changes in Legislation by enforcing the compliance to the changes.
• Address issues raised in culture surveys by participating in the development and implementation of action plans.
• Create a client service culture through various required interventions.
• Support and encourage staff to participate and support corporate responsibility initiative.
• Achieve operational excellence by supporting the implementation of business optimisation improvement through team engagement.
• Generate innovative ideas and share knowledge.

Essential Qualifications - NQF Level 6

• Matric / Grade 12 and National Diploma or Advanced Certificate

Preferred Qualification

• BCom, BTech or Diploma in Credit

Minimum Experience Level

• 5 years in Banking within Credit environment
• 5 years in collections

Behavioural Competencies

• Building Partnerships
• Communication
• Customer Focus
• Driving for Results

Technical / Professional Knowledge

• Business administration
• Change management
• Client service management
• Implementation of Strategies
• Financial Accounting Principles
• Governance, Risk and Controls
• Organisational systems
• Management information and reporting principles, tools, and mechanisms

Type of Exposure

• Creating a business report
• Investigating and reviewing processes to improve client satisfaction
• Coaching and Mentoring colleague’s
• Credit Assessments
• Managing business risks