Manager Credit - Large

Job Responsibilities

• Conduct in-depth credit reviews and portfolio monitoring of large corporate exposures.
• 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.
• 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.
• 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.
• 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 an environment of teamwork through engaging with staff (sharing information) and encouraging participation in decision-making processes.
• Stay abreast in the 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 reinforcing values during meetings.
• Manage the onboarding process of new employees by ensuring execution of preparations according to the on-boarding checklist.
• Create a client service culture through various required interventions.
• Achieve operational excellence by supporting the implementation of business optimization 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 policy, risk appetite frameworks, and regulatory compliance in a corporate banking environment.
• Valid driver’s license and own reliable vehicle.
• Willingness and ability to travel as required.
• Must have an Individual Credit Mandate of R30Million.