Credit Manager: Special Portfolio

4 weeks ago

Johannesburg, South Africa Nedbank Full time

**Job Purpose**
- The Credit Manager will need to demonstrate proactive management of financially distressed and non-performing clients - understanding client's businesses, setting appropriate client strategies, solution driven which combined actions translate into customer retention and rehabilitation without compromising the bank's risk.
- The purpose of this role is to assist the Senior Credit Manager and Credit Executive in effectively and efficiently managing a portfolio of high-risk clients through the interaction with CIB, Property Finance, Rest of Africa and Special Portfolio’s Credit, Legal and Administration structures, as well as manage multi-lender situations in consortiums.

**Responsibilities**:

- Recommend and present credit decisions to mandated credit committees and assist in implementing the credit decisions and monitoring the financial health post the implementation of the credit decision.
- Research and analyse information using appropriate problem identification techniques in order to propose a solution(s) and be able to oversee the implementation of the solution after approval.
- Interact with various stakeholders in CIB to assist with formulating appropriate solutions for each client.
- Interact externally with clients, external auditors, lawyers and other banks.
- Prepare and review MIS for the allocated portfolio which includes all reporting requirements for credit and operational risk monitoring as well as model back-testing & calibration.
- Active contributor to discussions in Special Portfolio credit committee.
- Need to have a good working knowledge of financing and security structures.
- A working knowledge of the Insolvency Act and Chapter 6 of the Companies Act will be advantageous.
- Must be able to work effectively within a team and have a high tolerance for stressful situations.
- Needs to be able to be adaptable and flexible and think of solutions outside of the normal credit parameters.
- Need to have a high degree of financial acumen and an ability to perform under pressure.
- Good communication skills are vital, as are analytical thinking and attention to detail.
- Preferred Qualification- B.Com (Hons), CA(SA) or CFA
- Minimum Experience Level- 2-3 years Credit Risk Management experience within Banking environment

**Technical / Professional Knowledge**
- Banking procedures
- Business principles
- Communication Strategies
- Data analysis
- Governance, Risk and Controls
- Nedbank policies and procedures
- Principles of project management
- Relevant regulatory knowledge
- Decision-making process
- Cluster Specific Operational Knowledge

**Behavioural Competencies**
- Communication
- Decision Making
- Initiating Action
- Managing Work
- Quality Orientation
- Technical/Professional Knowledge and Skills
- EE Statement- Preference will be given to individuals from underrepresented groups
- **_Please contact the Nedbank Recruiting Team at +27 860 555 566_

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