Senior Manager: Credit Risk at Nedbank

Job Responsibilities

• Manage reports through early actioning of exceptions.
• Manage and rehabilitate clients by getting backward roll-on arrears.
• Identify trends, systems and process improvement initiatives by escalating for decisions to relevant stakeholders.
• Make correct credit decisions on a consistent 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 advice on strategies and/or deliverables.
• Utilize resources by allocating according to business needs.
• Analyse client information to assess level of risk by interpreting financial information within the ambit of banking regulations.
• 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 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.
• Seek opportunities to improve business processes and systems by identifying and recommending effective ways to operate and adding value to Nedbank.
• Developing ways to minimise various types of risk.
• Analysing and interpreting qualitative and quantitative data.
• Interacting with various levels of management.
• Managing conflict situations.
• Influencing stakeholders to obtain buy-in for concepts, ideas and strategies.
• Sharing information in different ways to increase stakeholders understanding.
• Brainstorming ways of improving a product or situation.
• Challenging the status quo with a view to improving the environment or people’s understanding.
• Using different approaches in new work situations

Minimum Experience Level

• 5 -8 years credit or credit risk experience in a banking environment.
• 5 -8 years managing managers and/or others
• Requirements
• B.Tech in Credit Management or B.Comm or studying towards a degree in Finance, Banking or Commerce
• Diploma: Insolvency Law and Practice
• Business Rescue

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

Behavioural Competencies

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