Credit Manager: CIB

Description

• To provide a superior client service through people by applying sound lending credit principles thereby enabling Nedbank to grow its client base within an acceptable credit risk appetite

Duties

• Manage daily activities of direct reports by monitoring the staff output
• Suggest alternative funding solutions by making recommendations based on the credit policy guideline and the analysis based on the information provided
• Understanding of the Sales environment to provide assistance to the Relationship Manager’s to secure sound lending in support of the Business Unit strategy
• Manage and sustain acceptable credit risk appetite by applying credit risk management processes to diverse portfolios
• Ensure quality of submissions of credit applications / reviews / portfolio reports by reviewing and evaluating information from direct reports and stakeholders
• Recommend funding solutions based on the credit policies and guidelines in conjunction with relevant Nedbank strategy and the analysis based on the information provided
• Identify problem exposures and classification in accordance with the Bank of Namibia’s guidelines
• Build and maintain effective working relationships by providing a range of specialized credit risk management advisory services
• Providing correct reports to management, the Board, shareholders, and the Reserve Bank
• Ensuring that policies and standard operating procedures are adhered to
• Providing input for formulation of policies and procedures within the framework of sound credit management
• Keeping abreast with changes in the micro and macro-economic, political, legislative and social environment in order to provide proper lending advice

Requisites:

• Competencies:
• Ability to work independently
• Customer Focus
• Strong analytical skills
• Strong report writing skills
• Attention to detail and accuracy
• Good interpretative skills
• Excellent interpersonal skills
• Good communication skills
• Managing conflict
• Working under pressure and tight deadlines
• Essential Qualifications - NQF Level:
• Advanced Diplomas/National 1st Degrees
• Key Qualifications:
• The applicant must be in possession of B-Tech in Credit Management, Post Graduate Qualifications or an applicable Business, Accounting or Economics degree. CA or CFA would be an added advantage
• Minimum Experience Level:
• The applicant must demonstrate knowledge of standard credit principles, financial statements understanding, and the interpretation thereof
• The applicant must have at least five (5) years extensive banking experience or knowledge in credit granting across commercial and Corporate banking and lending products
• Knowledge of accounting standards and Basel II requirements
• Expertise in Commercial and Corporate lending
• Experience across various products including structured/specialized lending
• Ability to support and provide on the job training and skills transfer to upskill
• Technical / Professional Knowledge:
• Relevant software and systems knowledge
• Relevant regulatory knowledge
• Industry and Economic trends
• Research methodology
• Principles of financial management
• Cluster Specific Operational Knowledge
• Data analysis
• Decision-making process
• Governance, risk and controls
• Portfolio management
• Behavioural Competencies
• Coaching
• Communication
• Decision Making
• Work Standards
• Managing Work
• Technical/Professional Knowledge and Skills

Notes

• Only shortlisted applicants will be contacted