Manager Credit Risk Portfolio Management

nedbank; Johannesburg; On-site; ZAR 300 000 - 700 000; Full time

Job summary

An established industry player is seeking a talented Requisition and Talent Acquisition Consultant to enhance client service through effective credit risk management. This role involves managing a portfolio of clients, approving credit facilities, and developing rehabilitation strategies to reduce impairment charges. The ideal candidate will have extensive experience in financial analysis and credit roles within banking, alongside a strong understanding of compliance and governance. Join a dynamic team where your expertise will contribute significantly to the success of the organization and its clients.

Qualifications

• 5+ years in a Credit role within Banking, with strong analytical skills.
• Experience in developing client rehabilitation strategies.

Responsibilities

• Approve credit facilities and manage default accounts effectively.
• Ensure compliance with bank policies and industry regulations.

Skills

Credit Risk Management

Financial Analysis

Client Service Management

Communication Strategies

Change Management

Education

NQF Level 6 in Finance or Credit-related field

Tools

Management Information Systems (MIS)

Job description

Details

Location: Johannesburg, ZA

Date: 3 Apr 2025

Reference: 132698

Requisition and Talent Acquisition Consultant Details

Location and Cluster

Total Business Banking and Retail - CDR - Risk Collection

Credit Collections

Manage Self Professional

Job Purpose

To provide client service by applying sound credit risk management principles with approved credit mandates through management of a designated portfolio of clients across multiple products enabling Nedbank to reduce the cluster impairment charge with the view to rehabilitate the client, in line with the business or individual turnaround strategy.

Job Responsibilities

• Approve annual review of facilities by making decisions based on the credit risk policy guideline and credit norms in conjunction with relevant Nedbank strategy and the analysis based on the information provided.
• Analyse/Assess individual and juristic financial statements.
• Develop client exit or rehabilitation strategies by conducting inter-alia review of client facilities.
• Ensure policies and processes are followed within mandated signatories including checking and confirming the sign-off.
• Manage default accounts timeously by obtaining acceptable repayment arrangements or handover portfolio to legal collections.
• Give an overview of the book by developing and preparing portfolio review presentations based on Management Information Systems (MIS).
• Adapt to changes in Legislation by enforcing compliance to the changes.
• Ensure clean audit in area of responsibility by enforcing adherence to bank policies, processes and procedures and industry regulations.
• Implement sound credit risk management by providing advice on specialized credit risk matters to cross functional teams and direct reports, where applicable.
• Recommend enhancements to processes by constantly seeking innovative improvements to the credit systems.
• Motivate staff where applicable to perform and contribute to the success of the business by creating an environment of teamwork through engaging with staff (sharing information) and encouraging participation in decision making processes.

Minimum Experience Level

• Minimum 5 years' experience in a Credit role in a Banking environment.
• Minimum 5 years' experience Analysing and Assessing individual and juristic financials.

Preferred Qualification

• Successfully completed NQF Level 6 of Higher in a Finance or Credit-related field.

Technical / Professional Knowledge

• Business administration and management
• Change management
• Client service management
• Communication Strategies
• Governance, Risk and Controls
• Organisational systems
• Principles of project management
• Strategic planning
• Management information and reporting principles, tools and mechanisms