Manager: Credit

nedbank; Durban; On-site; ZAR 200 000 - 300 000; Full time

Job summary

A leading financial services provider in South Africa is seeking a Credit Manager for its Corporate Credit Card area. The role involves managing credit assessments, ensuring quality asset acquisition, and maintaining client relationships. Candidates should have 3-5 years of banking experience, particularly in credit assessment and management. Opportunities for professional growth in a dynamic environment.

Qualifications

• 3-5 Years’ Credit Assessment experience within a Banking environment.
• 3 Years' Business Banking Credit experience in evaluating financial statements.
• Previous lending experience specific to Debtor Management and Rental Discounting is advantageous.

Responsibilities

• Manage credit assessment within a specialised lending area.
• Analyse credit applications by assessing serviceability.
• Build and maintain effective working relationships.

Skills

Credit assessment

Client service management

Business administration

Decision making

Change management

Coaching

Education

NQF Level 6 or Higher in a Financial or Banking related field

CIMA, Credit management degree or equivalent

Job description

Requisition and Specialist Recruiter Details

Closing Date - 20 November 2025

Private and Personal Banking - Commercial Underwriting

Gauteng or KwaZulu Natal

Credit Management

Manage Self: Professional

Job Purpose

To manage credit assessment within a specialised lending area / cluster (Debtor Management and Rental Discounting) in order to ensure the acquisition of quality assets; enhancement of revenues and maintenance thereof within laid down policies and procedures.
Commercial Underwriting understanding the client’s needs and environment by ensuring proactive/innovative solutions and adherence to acceptable turnaround times.
We have a career opportunity for a Credit Manager to oversee the Corporate Credit Card area. This includes acquisition and growth of quality assets and assessment of associated risks. Through mastering this role, you will have the opportunity to develop yourself personally and professionally and have opportunities to advance to more senior levels of credit leadership in a fast growing and enterprising business.
The role gives you a vital link in supporting and ensuring successful credit granting process for Commercial Banking clients through the implementation of credit mandates and risk frameworks within Nedbank Policy and Procedure.
Join a team of great people, magnificent colleagues that are obsessed with getting things done!

Job Responsibilities

• Validate client and supporting information by assessing the contents of the documents.
• Analyse credit applications by assessing serviceability of the funding applied for.
• Approve funding by making decision based on the credit policy guideline in conjunction with relevant Nedbank strategy and the analysis based on the information provided.
• Suggest alternative funding solutions by making recommendations based on the credit policy guideline and the analysis based on the information provided where declined.
• Build and maintain effective working relationships 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).
• Enhance processes, policies and procedures by recommending and making submissions to the relevant parties.
• Adapt to changes in Legislation by providing input to redesigning credit processes and systems where applicable.
• Ensure processes are actioned within mandated signatories by checking and confirming the sign off.
• Manage daily activities of direct reports by monitoring the staff output.
• Manage performance and build the intellectual capital of the team by conducting on the job training, counselling and coaching.
• Support the achievement of the business strategy, objectives and values by reviewing Nedbank and Business Unit Plan and ensuring delivered systems, process, services and solutions are aligned.
• Identify training courses and career progression for self through input and feedback from management.
• Ensure all personal development plan activities are completed within specified timeframe.
• Share knowledge and industry trends with team and stakeholders during formal and informal interaction.
• Obtain buy-in for developing new and/or enhanced processes (e.g. operational processes) that will improve the functioning of stakeholders' businesses by highlighting benefits in support of the implementation of recommendations.
• 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.
• Seek opportunities to improve business processes and systems by identifying and recommending effective ways to operate and adding value to Nedbank.

Minimum Experience Level

• 3-5 Years’ Credit Assessment and decisioning experience within Banking environment
• Min 3 Years' Business Banking Credit experience in evaluating current and prospective clients financial Statements and credit reports to determine their ability to honour debt obligations in a Commercial environment
• Previous lending experience specific to Debtor Management and Rental Discounting products would be advantageous.
• Extensive understanding of legalities associated with lending and collateral
• Team Management / Leadership experience would-be advantage
• Proven track‑record on managing a large book.

Requirements

• NQF Level 6or Higher in a Financial or Banking related field essential
• CIMA, Credit management degree or equivalent will be advantageous
• Own reliable vehicle and valid driver's license a must
• Must be prepared to travel.

Technical / Professional Knowledge

• Business administration and management
• Change management
• Client service management
• Governance, Risk and Controls
• Principles of project management
• Relevant regulatory knowledge
• Strategic planning
• Management information and reporting principles, tools and mechanisms
• Building Partnerships
• Earning Trust
• Coaching
• Communication
• Decision Making
• Inspiring others
• Guiding Team Success
• Planning and Organizing

Please contact the Nedbank Recruiting Team at [phone]

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