Senior Manager: Credit Assessment

nedbank; Johannesburg; On-site; ZAR 300 000 - 400 000; Full time

Job summary

A financial services provider in Johannesburg is looking for a Senior Manager: Credit Assessment. The role involves leading a team to ensure quality assets and revenue enhancement through effective credit assessment. Applicants should have 5-10 years of experience in credit decisioning within banking and must understand the legalities associated with lending. This position promises a challenging and rewarding opportunity for those passionate about developing innovative financial solutions.

Qualifications

• 5 - 10 years of credit assessment and decisioning experience within a banking environment.
• Minimum 5 years' experience with small business credit evaluations.
• Extensive understanding of legalities associated with lending and collateral.

Responsibilities

• Minimise risks and grow assets through lending.
• Enhance revenue by identifying sales opportunities.
• Ensure client satisfaction with proactive solutions and good turnaround times.

Job description

Requisition and Specialist Recruiter Details

Closing Date - 16 December 2025

Job Family

Business Commercial Banking - Credit Underwriting

Credit Management

Manage Others

Senior Manager: Credit Assessment

Job Purpose

To manage credit assessment through a team within a specific area / cluster 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.

The role gives you a vital link in supporting and ensuring successful credit granting process for Commercial Banking Snall Business 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

• Minimise risks and grow assets through lending at acceptable risk levels.
• Enhance revenue by identifying sales opportunities through assessments and client visits.
• Ensure client satisfaction through provision of proactive/innovative solutions and adherence to acceptable turnaround times.
• Build and maintain stakeholder relations through regular formal and informal engagements.
• Identify development areas through client surveys from stakeholders.
• Provide good service and turnaround times to internal stakeholders by ensuring that requests are responded to timeously.
• Ensure staff operate within guidelines by monitoring policy compliance through reviews and audit processes.
• Review and recommend appropriate allocation of mandates through segmentation, reviews and audit processes.
• Operate within personal mandate through reviews and audit processes.
• Ensure that quality decisions are made by auditing credit decisions made by credit managers within their mandate.
• Monitor and manage turnaround times by using the information systems available.
• Manage performance of staff by implementing performance agreements, ensuring a clear vision, agreeing on goals and objectives, providing regular feedback on performance (sharing information), recognising and rewarding achievement and take appropriate corrective action where required.
• Mentor and coach staff on identified performance gaps by discussing these performance gaps and agree on appropriate action to be taken and encouraging participation in decision making processes.
• Stay abreast in field of expertise and deliver on the expectations from stakeholders by building capability of self and staff through identifying current and future training and development needs.
• Contribute to team effectiveness by following the recruitment process when recruiting talent.
• Maintain a capable high performing team and ensure an environment for optimal performance is created by identifying talent pool through conducting career conversations, utilising the talent grid principles and developing talent retention programmes (e.g. rotation).
• Ensure self and staff understand and embrace the Nedbank Vision and Values by leading by example and re-enforcing values during meetings.
• Manage the on boarding process of new employees by ensuring execution of preparations according to the on-boarding checklist.
• Support and encourage staff to participate and support corporate responsibility initiative.
• Achieve operational excellence by supporting the implementation of system and process enhancements through team engagement.
• Encourage team to generate innovative ideas and share knowledge.
• Recommend appropriate allocation of credit mandates through segmentation, reviews, and audit processes.

Minimum Experience Level

• 5 - 10 Years’ Credit Assessment and decisioning experience within Banking environment
• Min 5 Years' Small BusinessCredit experience in a in evaluating current and prospective clients financial Statements and credit reports to determine their ability to honour debt obligations in a Commercial and Agricultural environment
• 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 7 or Higher in a Financial or Banking related field essential
• CIMA, Credit management degree or equivalent will be advantageou

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
• Earning Trust
• Coaching
• Customer Focus
• Guiding Team Success
• Driving for Results

---------------------------------------------------------------------------------------

Please contact the Nedbank Recruiting Team at [phone]

If you can't find the job you're looking for, activate job alerts to be one of the first to know when new positions open up.

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]