Regional Manager at Nedbank

Job Purpose

• To 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.
• 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 Responsibilities

• Limit the credit impairments by ensuring quality lending.
• Ensure financial results are met through prudent credit assessment in order to improve financial performance.
• Ensure client needs and expectations are met by understanding their businesses and delivering service to them within the agreed time frames.
• Optimise resources and minimise cost through proactive management of all resources (internal and external).
• Build trusting working relationships with managers, subordinates and peers through regular interaction and communication.
• Ensure that work is effectively executed and that results are achieved by allocating appropriate mandates to staff.
• Manage the MIS data received to steer the quality of assessments in order to manage the quality and to ensure the efficiencies of credit resources.
• Implement and manage credit policies and standards within the respective Region or Portfolio.
• Optimise the productivity of staff by managing and monitoring their performance and developing action plans to address any identified gaps in performance.
• Ensure smooth output of workflow by managing assessment queues within the respective business unit.
• Resolve customer complaints by reacting within agreed timelines.
• Optimise efficiency and embed correct values by ensuring direct reports understand and support Nedbank's vision, values and strategy and are measured on delivery against these.
• Ensure dissemination of knowledge pertaining to the bank's processes and procedures to relevant staff members through ongoing training and awareness sessions.
• Identify relevant development needs by assessing own performance and behaviour through formal and informal feedback.
• Drive to execute own and direct reports planned development by attending learning, seeking coaching or other industry or technical learning events and opportunities.
• Maintain a capable, high performing team, by identifying a  talent pool through conducting career conversations and utilising the talent grid principles and developing talent retention programmes (e.g. rotation).
• Build depth of skills and knowledge in the team of managers by sharing knowledge and insight with team members, ensuring mentoring, coaching and day to day activities.
• Ensure continuous improvement goals are achieved by creating an environment whereby self, managers and team are encouraged to challenge the status quo by initiating constructive debates about work practices and areas for improvement.
• Improve productivity and reduce costs by improving work processes through offering innovative ideas and input and soliciting input from managers and teams.
• Manage team effectively and efficiently across the HR value chain including recruitment, performance management, retention of critical staff, succession planning and coaching and talent management.

Minimum Experience Level

• 7 - 10 Years’ Credit Assessment and decisioning experience within Banking environment 
• Minimum of 5 years’ experience in Small Business Credit, including Franchise and Agriculture, evaluating current and prospective clients’ financial statements and credit reports to determine their ability to honor debt obligations
• Extensive understanding of legalities associated with lending and collateral.
• Min 5 Years' Team Management / Leadership experience is required. 
• Proven track-record on managing a large book

Requirements

• NQF Level 7 or Higher in a Financial or Banking related field essential 
• CIMA, Credit management degree or equivalent will be advantageous