Loan Originator (Business Banking)

Description

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

Duties

• Suggest alternative funding solutions by making recommendations based on the credit policy guideline and the analysis based on the information provided
• Build and maintain effective working relationships with stakeholders by providing a range of specialized credit risk management advisory services
• Manage client expectations by operating within the specified parameters
• Ensure compliance by sanctioning credit decisions based on the credit policy guideline in conjunction with relevant Nedbank strategy and the analysis based on the information provided within applicable mandate
• Give overview of the book by developing and preparing portfolio review
• Identify the various credit risks pertaining to a client by analyzing and interpreting financial, market and business information
• Ensure quality of submissions of credit applications /reviews / portfolio reports by reviewing and evaluating information from direct reports and stakeholders
• 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 responsibility initiatives for the achievement of business strategy (e.g. Green Strategy)
• Seek opportunities to improve business processes and systems by identifying and recommending effective ways to operate and adding value to Nedbank

Requisites

• Education and Experience Requirements:
• Bachelor of Commerce/B.Tech in Credit Management
• Minimum of 5 (Five) years extensive experience or knowledge in credit granting across banking and lending products
• Sound knowledge of Word, Excel, Outlook is a prerequisite
• Namibian Citizen
• 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
• Essential Abilities:
• Fully conversant with local banking conditions.
• Extensive and sound experience in all aspects of sales and banking
• Sound credit background linked with superior interpersonal and marketing skills, governance, risk and controls
• Results driven and sales driven personality
• Customer Centric
• Ability to work under pressure, team oriented and a flexible approach
• Oral and written communication
• Highly analytical
• Innovative

Notes

• Only shortlisted applicants will be contacted