Credit Policy & Risk Management

• Align credit recommendations with Nedbank’s credit policy.

• Prepare, assess, and recommend credit applications within approval limits.

• Analyse client savings, debt history, earnings, and buying behaviour.

• Apply financial ratios and industry benchmarks to assess cash flow and repayment ability.

• Recommend appropriate credit limits and terms.

• Identify and report credit risks and policy breaches.

• Monitor daily excess reports and identify clients exceeding credit limits.

• Risk-rate clients using Nedbank’s risk systems.

• Verify financial information and ensure all security documentation is in place.

Client Service Management

• Respond to client needs within agreed Service Level Agreements (SLAs).

• Build strong working relationships with internal and external stakeholders.

• Support multi-division banking deals where required.

• Share knowledge and promote collaboration within teams.

Performance & Compliance

• Manage turnaround times on credit applications.

• Perform annual and interim facility reviews using MIS.

• Use reporting systems to track performance and compliance.

• Support ongoing compliance with governance and regulatory standards.

Personal Development & Teamwork

• Participate in continuous learning and development initiatives.

• Stay updated on legislative and industry changes.

• Demonstrate Nedbank’s values and professional standards.

• Support team performance through effective communication and collaboration.

Process Improvement & Corporate Responsibility

• Identify opportunities to improve systems, policies, and processes.

• Contribute to Nedbank’s transformation and culture-building initiatives.

• Support corporate social responsibility programmes aligned with business strategy.