Senior Credit Reporting Analyst at Nedbank

Job Purpose

• To report the credit risk data within CIB so as to provide oversight; optimise the credit portfolio quality; and enhance productivity in line with Nedbank CIB strategic objectives. To provide support by managing and reporting on credit risk of existing portfolio so that risk is managed and mitigated in line with the banks credit policy.

Job Responsibilities

• Being able to assess complex problems, confidently analysing a range of data using industry standard tools (e.g. SQL, SAS, Excel) and working on cross functional projects.
• Produce regular reporting and carry out ad hoc analyses. Comment on trends, adding value through contributing ideas and solutions to any problems or opportunities identified.
• Identify risks and opportunities in the current processes and rules through complex analysis, using multiple data sources.
• Assist in compiling accurate reporting to the Cluster Credit Committees, Executive Credit Committee and Group Credit Committe.
• Own and independently manage the IFRS9 Expected Credit Losses within the risk management department, ensuring strong governance, controls, processes and procedures are in place.
• Participate and coordinate with the Finance team and other relevant departments to produce various IFRS9 templates published in the Bank’s annual reports (i.e. Bank’s statutory reporting)
• Build strong relationships by engaging with stakeholders on credit processes, policies, information and documentation.
• Build intellectual capital of the team by knowledge sharing with all stakeholders.
• Take ownership and accountability for tasks and activities and demonstrate effective self-management; and
• Follow through to ensure that quality and productivity standards of own work is consistently and accurately maintained.
• Meet stakeholder expectations by delivering output and resolving queries within turnaround times.
• Enhance policies and procedures by identifying and reviewing ineffective processes and systems.
• Enhance processes by constantly seeking innovative improvements to the credit reporting systems.
• Adapt to changes in Legislation by enforcing the compliance to the changes.
• Manage quality of portfolio by enforcing adherence to bank policies, process and procedures and industry regulations.
• Achieve operational excellence by supporting the implementation of business optimisation improvement through team engagement.
• Identify training courses and career progression for self through input and feedback from management.
• Ensure all personal development plan activities are completed within specified timeframe.
• Share knowledge and industry trends with team and stakeholders during formal and informal interaction.
• Obtain buy-in for developing new and/or enhanced processes (e.g. operational processes) that will improve the functioning of stakeholders' businesses by highlighting benefits in support of the implementation of recommendations.
• Contribute to a culture conducive to the achievement of transformation goals by participating in Nedbank Culture building initiatives (e.g. staff surveys etc).
• Participate and support corporate responsibility initiatives for the achievement of business strategy (e.g.. Green Strategy).
• Seek opportunities to improve business processes and systems by identifying and recommending effective ways to operate and adding value to Nedbank.

Essential Qualifications - NQF Level

• Advanced Diplomas/National 1st Degrees

Minimum Experience Level

• 5 years experience in credit risk support
• Experience of working in an analyst position or have a highly numerate/analytical background
• A natural problem solver and enjoy working logically
• Have an eye for detail and the drive to get under the skin of complex business challenges, joining the dots across multiple sources of insight
• Enjoy working with a diverse multi-discipline team to deliver results at pace
• Experience of working with Excel and ideally SQL/SAS or similar
• Strong verbal and written communication skills, to most effectively present your insights and gain buy-in to implement change

Technical / Professional Knowledge

• Business administration and management
• Operations planning
• Principles of project management
• Relevant regulatory knowledge
• Service level agreements
• Staff resource planning
• Strategic planning
• Management information and reporting principles, tools and mechanisms

Behavioural Competencies

• Aligning Performance for Success
• Building Partnerships
• Building talent
• Building partnerships
• Driving for Results
• Selecting Talent