Senior Manager: Credit Assessment

Requisition and Specialist Recruiter Details

REQ 146150  -  Twanette Coetser

Closing Date  -  23 June 2026

Cluster and Location

Personal and Private Banking - Credit Underwriting

Sandton, Johannesburg

Career Stream

Leadership Pipeline

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.

Personal and Private 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 Small 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.


• Manage returns through appropriate pricing for risk and setting appropriate fees.


• Minimise losses and impairments through proactive managing of the book.


• Manage the Client Service Team in order to improve efficiency and minimise expenses by guiding the team to be cost conscious.


• Ensure client satisfaction through provision of proactive/innovative solutions and adherence to acceptable turnaround times.


• Understand client needs and their operating environment through regular interactions and visits.


• Build and maintain stakeholder relations through regular formal and informal engagements.


• Identify development areas through client surveys and 360 feedback 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.


• Manage the quality of Credit Management Information System (CMIS) and exceptions through alignment with agreed benchmarks.


• 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.


• Ensure the book is appropriately risk rated and adequately impaired by analysing, investigating and monitoring high risk accounts (e.g. exception reports).


• Provide timely information by preparing accurate, timely and relevant credit reports for review by management and committees.


• Monitor and manage turnaround times by using the information systems available.


• Ensure that audit findings are addressed by rectifying and providing feedback within agreed timeframes.


• 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 check-list.


• 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.

Minimum Experience Level

• 5  - 10 Years’ Credit Assessment and decisioning experience within Banking environment 


• Min 5 Years' Small Business Credit 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 advantageous

Technical / Professional Knowledge

Behavioural Competencies