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 to identify cross-sell opportunities by gathering and analysing relevant information.
• Prepare credit applications and make recommendations based on the findings, within credit parameters.
• Achieve targets by using management information systems to measure performance.
• 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.
• Manage risk by monitoring reports, including excess report, within expected timeframes, identifying potential risks and taking corrective action to ensure risk compliance.
• Measure compliance, identify risk and make recommendations for achieving compliance by using current information and other resources available.
• 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.
• Verify that security is in place by gathering all required information.
• Ensure Nedbank Group Rating requirements are met, including Basel, and Moodys, by reviewing accounts and identifying risks.
• 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

Minimum Experience Level

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