Credit Executive at Nedbank

Job Purpose

• To support Nedbank CIB by providing strategic insights into credit risk strategies; risk appetite; asset allocation; strategic capital management and risk adjusted performance measurement in the Africa market, in order to achieve an optimal credit portfolio; as per the business strategy.

Job Responsibilities

• Lead and manage the CIB Africa risk portfolio. 
• Provide credit input/views/guidance into client service team meetings and deal origination committees.
• Ensure credit’s voice in the room when client strategies and BU strategies are discussed to ensure there is a credit.
• Add value to Nedbank Group by optimising credit advice and solutions and identifying and reducing credit risk.
• Manage the CIB Africa credit risk portfolio through collaboration with internal stakeholders across all relevant business units to assess new opportunities in a co-ordinated approach across key markets, sectors and clients, resulting in a positive impact on Nedbank’s bottom-line.
• Manage stakeholder relationships acting as a business enabler while managing risks. 
• Collaborate with the rest of CIB Risk and Group (SIRC, GEU, Nedbank Africa Regions, Africa Analysts) to gain a deep understanding of targeted jurisdictions. 
• Enhance Nedbank's risk and balance sheet strategies by providing strategic insight into strategic portfolio tilt, accurate impairment and risk weighted asset forecasting.
• Enhance Risk adjusted profitability by providing best practice credit insights and methodologies as input into risk adjusted performance measurement and pricing, capital management and portfolio optimisation.

Job Responsibilities Continue

• Promote a culture of being a values driven leader and strategic business partner by building trusting relationships with all stakeholders.
• Optimise processes, procedures and systems through continued digitisation, benchmarking to international best practices, and implementing improvements on an ongoing basis.
• Keep abreast of changes (market and legislation) and developments in the Rest of Africa, by collaborating with SIRC, conducting own research and benchmarking industry best practices.
• Develop and leverage relationships with relevant external stakeholders, industry forums/bodies/initiatives through participation and liaising both formally and informally.
• Travelling to key Africa markets as part of ongoing risk assessment and implementing the Rest of Africa business and credit strategy.

Essential Qualifications - NQF Level

• Advanced Diplomas/National 1st Degrees

Preferred Qualification

• Professional Qualifications/Honour’s Degree

Minimum Experience Level

• Minimum 10 years’ experience as senior management in Credit and a minimum 5 years’ experience on transactions across sectors in jurisdictions outside South Africa

Technical / Professional Knowledge

• Budget forecast assumptions
• Business administration and management
• Capacity planning
• Change management
• Financial Accounting Principles
• Governance, Risk and Controls
• Principles of project management
• Relevant regulatory knowledge
• Strategic planning
• Management information and reporting principles, tools and mechanisms

Behavioural Competencies

• Aligning Performance for Success
• Building Partnerships
• Decision Making
• Influencing
• Driving for Results
• Planning and Organizing