Manager: Credit

REQ Twanette Coetser

Closing Date December 2025

Private and Personal Banking - Commercial Underwriting 

Gauteng or KwaZulu Natal  

To manage credit assessment within a specialised lending area / cluster (Debtor Management and Rental Discounting) in order to ensure the acquisition of quality assets; enhancement of revenues and maintenance thereof within laid down policies and procedures.
Commercial Underwriting understanding the client's needs and environment by ensuring proactive/innovative solutions and adherence to acceptable turnaround times.
 
We have a career opportunity for a Credit Manager to oversee the Corporate Credit Card area.  This includes acquisition and growth of quality assets and assessment of associated risks. Through mastering this role, you will have the opportunity to develop yourself personally and professionally and have opportunities to advance to more senior levels of credit leadership in a fast growing and enterprising business.
 
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

• Validate client and supporting information by assessing the contents of the documents.
• Analyse credit applications by assessing serviceability of the funding applied for.
• Approve funding by making decision based on the credit policy guideline in conjunction with relevant Nedbank strategy and the analysis based on the information provided.
• Suggest alternative funding solutions by making recommendations based on the credit policy guideline and the analysis based on the information provided where declined.
• Build and maintain effective working relationships by providing a range of specialized credit risk management advisory services.
• Manage client expectations by operating within the specified parameters and Service Level Agreements (SLA).
• Enhance processes, policies and procedures by recommending and making submissions to the relevant parties.
• Adapt to changes in Legislation by providing input to redesigning credit processes and systems where applicable.
• Ensure processes are actioned within mandated signatories by checking and confirming the sign off.
• Manage daily activities of direct reports by monitoring the staff output.
• Manage performance and build the intellectual capital of the team by conducting on the job training, counselling and coaching.
• 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.
• Obtain buy-in for developing new and/or enhanced processes (e.g. operational processes) that will improve the functioning of stakeholders' businesses by highlighting benefits in support of the implementation of recommendations.
• Contribute to a culture conducive to the achievement of transformation goals by participating in Nedbank Culture building initiatives (e.g. staff surveys etc).
• Participate and support corporate responsibility initiatives for the achievement of business strategy.
• Seek opportunities to improve business processes and systems by identifying and recommending effective ways to operate and adding value to Nedbank.
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• 3- 5 Years' Credit Assessment and decisioning experience within Banking environment 
• Min 3 Years' Business Banking Credit experience in evaluating current and prospective clients financial Statements and credit reports to determine their ability to honour debt obligations in a Commercial environment 
• Previous lending experience specific to Debtor Management and Rental Discounting products would be advantageous.
• Extensive understanding of legalities associated with lending and collateral
• Team Management / Leadership experience would-be advantage
• Proven track-record on managing a large book.

• NQF Level 6 or Higher in a Financial or Banking related field essential 
• CIMA, Credit management degree or equivalent will be advantageous
• Own reliable vehicle and valid driver's license a must 
• Must be prepared to travel.

Post-graduate qualification in Risk Management, Accounting , Finance and Audit.

• Business administration and management
  
• Change management
  
• Client service management
  
• Financial Accounting Principles
  
• Governance, Risk and Controls
  
• Principles of project management
  
• Relevant regulatory knowledge
  
• Service level agreements
  
• Strategic planning
  
• Management information and reporting principles, tools and mechanisms
  

• Building Partnerships
  
• Earning Trust
  
• Coaching
  
• Communication
  
• Decision Making
  
• Inspiring others
  
• Guiding Team Success
  
• Planning and Organizing
  

Please contact the Nedbank Recruiting Team