Job Purpose

• To assess credit risk of existing portfolio so that risk is managed and mitigated in line with the banks credit policy

Job Responsibilities

• Review existing portfolio to ensure alignment with banks credit policy and analysing relevant information.
• Ensure Nedbank Group Rating requirements are aligned with risk metrics when reviewing accounts and identifying risks.
• Monitor covenants by obtaining latest financial information, measuring compliance and reporting breaches.
• Sign off conditions of approval within required timeframes by checking the information called for.
• Support the achievement of service level agreement standards by understanding client needs,  providing guidance and recommendations and responding timeously.
• Contribute to external client satisfaction by sharing knowledge and developing skills of client service team members and other stakeholders.
• Build relationships with internal stakeholders by attending meetings and supporting their strategies.
• Organising of credit related meetings and ensuring accurate compilation and timely circulation of the agenda,  minutes and supporting documentation.
• Keep abreast of legislation and other industry changes that impacts on role by reading the relevant newsletters, websites and attending sessions.
• Understand and embrace the Nedbank vision and demonstrate the values through interaction with team and stakeholders.
• Improve personal capability and stay abreast of developments in field of expertise by identifying training courses and career progression for self through input and feedback from managers.
• Ensure personal growth and enable effectiveness in performance of roles and responsibilities by ensuring all learning activities are completed, experience practiced and certifications obtained and/or maintained within specified time frames.
• Ensure information is provided correctly to stakeholders by maintaining knowledge  sharing knowledge with team.
• 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 social responsibility initiatives for the achievement of key business strategies.
• Identify and recommend opportunities to enhance processes, systems and policies and support implementation of new processes, policies and systems.

Essential Qualifications - NQF Level

• Matric / Grade 12 / National Senior Certificate
• Advanced Diplomas/National 1st Degrees

Preferred Qualification

• NQF Level 6 or 7 qualification (Diploma or Degree) that includes accounting.
• Depending on the experience level, an appropriate NQF Level 4 or 5 qualification e.g a certificate in property management may be an advantage.

Minimum Experience Level

• Minimum 3 years’ experience gained in a similar role in a financial environment.

Technical / Professional Knowledge

• Administrative procedures and systems
• Banking procedures
• Data analysis
• Governance, Risk and Controls
• Relevant regulatory knowledge
• Business writing skills
• Industry specific knowledge
• Knowledge of financial markets
• Nedbank vision and strategy
• Relevant Nedbank Human Resources policies and practices

Behavioural Competencies

• Adaptability
• Communication
• Continuous Learning
• Collaborating
• Decision Making
• Stress Tolerance
• Driving for results
• Managing Work