Senior Manager: Credit

REQ Twanette Coetser

Closing Date  - 9 December 2025

Commercial BCB - Commercial Underwriting Inland

Pretoria

To manage credit assessment in order to ensure the acquisition of quality assets; enhancement of revenues and maintenance thereof within laid down policies and procedures.
Understanding the client's needs and environment by ensuring proactive/innovative solutions and adherence to acceptable turnaround times.
 
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

• Perform monitoring exercise to ensure business alignment to agreed risk appetite measures.
• Gain consensus and highlight pertinent credit risk issues by preparing and presenting reports to various forums.
• Align credit policy to changes in the regulatory environment and in line with best practice by scanning changes and making recommendations.
• 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.
• Manage budget by controlling expenditure.
• 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.
• Provide independent opinion to stakeholders to inform prudent risk management.
• 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.
• Keep stakeholders informed of serious breaches through submissions to committees.
• Undertake monitoring exercises by following agreed monitoring methodology.
• 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.
• Manage performance of staff by implementing performance agreements, ensuring a clear vision, agreeing on goals and objectives, providing regular feedback on performance, recognising and rewarding achievement and take appropriate corrective action where required.
• 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.
• Address issues raised in culture surveys by participating in the development and implementation of action plans.
• Achieve operational excellence by supporting the implementation of business optimisation improvement through team engagement.
• Encourage team to generate innovative ideas and share knowledge.

• Years' Credit Assessment and decisioning experience within Banking environment 
• Min 5 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 7 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 .

• Business administration and management
  
• Client service management
  
• Communication Strategies
  
• Financial Accounting Principles
  
• Governance, Risk and Controls
  
• Operations planning
  
• Principles of project management
  
• Relevant regulatory knowledge
  
• 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