Credit Manager: IB and TS

nedbank; Johannesburg; On-site; ZAR 600 000 - 900 000; Full time

Job summary

Nedbank recherche un Credit Manager pour superviser le risque de crédit dans divers portefeuilles. Le candidat idéal aura une expérience en gestion des risques de crédit, avec des compétences en analyse financière et en communication. Ce rôle est essentiel pour garantir la conformité et la satisfaction des clients tout en respectant les paramètres de risque de l'entreprise.

Qualifications

• 2-3 ans d'expérience en gestion des risques de crédit dans un environnement bancaire.
• Expérience dans les transactions de financement par effet de levier et la finance de titrisation.
• Connaissances des procédures bancaires et des réglementations pertinentes.

Responsibilities

• Évaluer la solvabilité des clients et gérer les portefeuilles de crédit.
• Préparer et examiner les demandes de crédit pour de nouveaux clients.
• Assurer la conformité avec les politiques de crédit et les décisions de sanction.

Skills

Communication

Data analysis

Decision Making

Quality Orientation

Education

Advanced Diplomas/National 1st Degrees

B.Com (Hons)

CA(SA) or CFA

Job description

A Credit Manager in Nedbank Corporate Investment Banking is responsible for overseeing the credit riskassociated with lending transactions within the Leveraged Finance, Aircraft Finance, Telecommunication andSecuritisation portfolio. This role involves evaluating the creditworthiness of clients, managing credit portfoliosand ensuring compliance within the Nedbank’s risk parameters and provide a superior client service byapplying sound lending credit principles thereby enabling Nedbank to grow its client base within an acceptablecredit risk appetite.

Job Responsibilities

• Validate all client and supporting information by assessing the content of the documents as part of the overall credit risk assessment and analysis.
• Prepare and/or review credit applications relating to new clients/ existing clients/reviews/funding requests/amendment requests.
• Suggest alternative funding solutions by making recommendations based on the credit policy guidelines and the analysis based on the information provided.
• Ensure compliance of sanctioning and credit decisions based on the credit policy guidelines in conjunction to the appropriate mandated authority.
• Ability to write credit recommendations by highlighting risks and mitigants as part of the credit submission.
• Be responsible for the daily, weekly and monthly reporting and ensure requisite reports are formalised within agreed timeframes.
• Seek opportunities to improve business policies, processes and systems by identifying and recommending effective ways to operate and adding value to Nedbank.
• Conducting detailed financial analysis of financial statements, client projections and financial models to determine serviceability of the various funding requests.

Compliance and Reporting

• Ensuring adherence to regulatory requirements and internal policies specific to the portfolio by providing input into various committee reports.
  Stakeholder Management
• Build and maintain effective working relationships with internal and external stakeholders by providing a range of specialized credit risk management advisory services.
• Manage client expectations by operating within the specified parameters and Service Level Agreements(SLA).
• Ability to network and collaborate across various clusters within the bank.

Personal Career Development

• Identify training courses and career progression for self through input and feedback from management.

Essential Qualifications - NQF Level

• Advanced Diplomas/National 1st Degrees

Preferred Qualification

B.Com (Hons), CA(SA) or CFA

Preferred Certifications

CA/MBA/CFA /CIMA/BComm

Minimum Experience Level

• 2-3 years Credit Risk Management experience within Banking environment.
• Experience in Leveraged transaction, Acquisition, Sub-ordinated debt, Securitisation finance and Share-backed lending would be preferred.
  
  

Technical / Professional Knowledge

• Banking procedures
• Business principles
• Communication Strategies
• Data analysis
• Governance, Risk and Controls
• Nedbank policies and procedures
• Principles of project management
• Relevant regulatory knowledge
• Decision-making process
• Cluster Specific Operational Knowledge
• Communication
• Decision Making
• Initiating Action
• Managing Work
• Quality Orientation
• Technical/Professional Knowledge and Skills

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Please contact the Nedbank Recruiting Team at [phone]

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Nedbank Ltd Reg No 1951/000009/06.
Authorised financial services and registered credit provider (NCRCP16).

For assistance please contact the Nedbank Recruiting Team at [phone]