Manager: Credit

**Requisition and Specialist Recruiter Details**- REQ 142820 - Twanette Coetser- Closing Date - 13 November 2025- ** Cluster and Location**- Total Business Banking and Retail - Commercial Underwriting- Sandton, Gauteng- Career Stream
- Credit Management- Leadership Pipeline
- Manage Self: Professional- ** Manager Credit Large**- **Job Purpose**- ** Job Responsibilities**- Conduct in-depth credit reviews and portfolio monitoring of large corporate exposures to ensure alignment with risk appetite and early identification of emerging risks.
- Gain consensus and highlight pertinent credit risk issues by preparing and presenting reports to various forums.
- Contribute to the development and refinement of credit policy frameworks for complex corporate lending, ensuring compliance with regulatory and internal governance standards.
- Facilitate and guide monitoring activities by obtaining legal opinion and directives.
- Establish emerging risks by studying the external environment including competitors and the macro economy.
- Contribute towards financial targets by monitoring and improving credit risk.
- Identify, establish and maintain relationships with stakeholders to ensure buy-in of monitoring activities and recommendations.
- Deliver expert credit opinions on high-value transactions, including syndicated loans, structured finance, and cross-border exposures.
- Challenge recommendations and policy changes made by the business to ensure thorough understanding of the risk involved.
- Represent Credit Risk by participating in Risk Committees and Forums.
- Ensure that the bank, in its lending practices, treats the customer ethically and fairly by being the customer's voice in Risk Committees and Forums.
- Ensure alignment to changes in regulations and Group Policy by contributing to the maintenance of an up to date credit policy.
- Deliver on the credit risk monitoring plan by managing resources and activities.
- Address immediate and emerging risks by performing ad hoc monitoring exercises.
- Ensure compliance of agreed corrective actions by continuous monitoring.
- Ensure alignment of business to policy and regulations by monitoring and making recommendations.
- Ensure clear direction of activities by establishing and following an annual visitation programme for all regions.
- Ensure accuracy and quality by monitoring work done by team.
- Mentor credit analysts and contribute to building internal expertise in complex credit structuring.
- Motivate staff to perform and contribute to the success of the business by creating environment of teamwork through engaging with staff (sharing information) and encouraging participation in decision making processes.
- Stay abreast in field of expertise and deliver on the expectations from stakeholders by building capability of self and staff through identifying current and future training and development needs.
- Contribute to team effectiveness by following the recruitment process when recruiting talent.
- Maintain a capable high performing team and ensure an environment for optimal performance is created by identifying talent pool through conducting career conversations, utilising the talent grid principles and developing talent retention programmes (e.g. rotation).
- Ensure self and staff understand and embrace the Nedbank Vision and Values by leading by example and re-enforcing values during meetings.
- Manage the on boarding process of new employees by ensuring execution of preparations according to the on-boarding check-list.
- Ensure transformational targets are met for own team through consideration of targets during the staff recruitment, retention and training process and utilising suppliers listed on the preferred supplier list.
- Create a client service culture through various required interventions.
- Achieve operational excellence by supporting the implementation of business optimisation improvement through team engagement.
- Encourage team to generate innovative ideas and share knowledge.-
- **Requirements**- NQF Level 7 or higher qualification in a Financial or Banking-related field is essential.
- A CIMA, Credit Management degree, or equivalent qualification will be advantageous.
- Minimum 5 years’ experience in Credit Assessment, Evaluation, and Decisioning within a banking environment, specifically involving large commercial or corporate clients with complex financial structures.
- Minimum 3 years’ Business Banking experience evaluating financial statements and credit reports of current and prospective large business clients to determine their creditworthiness.
- Proven track record in managing a large credit portfolio, including high-value and structured lending transactions.
- 1-2 years’ experience in a team leadership or supervisory role will be advantageous.
- Strong understanding of the legal frameworks and regulatory requirements associated with lending and collateral, particularly in the context of large commercial clients.
- Familiarity with credit