Job Responsibilities

• Approve annual review of facilities by making decisions based on the credit risk policy guideline and credit norms in conjunction with relevant Nedbank strategy and the analysis based on the information provided. 
• Analyse/Assess individual and juristic financial statements.
• Develop client exit or rehabilitation strategies by conducting inter-alia review of client facilities.
• Ensure policies and processes are followed within mandated signatories including checking and confirming the sign-off.
• Ensure policies and procedures are followed by reviewing recommended submissions from other parties. 
• Manage default accounts timeously by obtaining acceptable repayment arrangements or handover portfolio to legal collections.
• Approve funding by making decisions based on the credit risk policy guideline and credit norms in conjunction with relevant Nedbank strategy and the analysis based on the information provided.  
• Give an overview of the book by developing and preparing portfolio review presentations based on Management Information Systems (MIS). 
• Adapt to changes in Legislation by enforcing the compliance to the changes.
• Ensure clean audit in area of responsibility by enforcing adherence to bank policies, process and procedures and industry regulations.
• Implement sound credit risk management by providing advice on specialized credit risk matters to cross functional teams and direct reports, where applicable
• Recommend enhancement to processes by constantly seeking innovative improvements to the credit systems.
• Motivate staff where applicable 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      

Minimum Experience Level

• Minimum 5 years’ experience in a Credit role in a Banking environment 
• Minimum 5 years’ experience Analysing and Assessing individual and juristic financials.

Preferred Qualification

• Successfully compelted NQF Level 6 of Higher in a Finance or Credit-related field