Latest Recruitment at Nedbank

Job Purpose

To create and increase revenue and economic profit from new and existing clients in order to achieve the banks strategic objectives and create shareholder value.

Job Responsibilities

• 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.
• Identify and confirm own financial targets by aligning with business unit targets.
• Achieve or exceed targets by developing and implementing account plans for clients and targetting new business.
• Develop an account plan for each client using knowledge of the client's needs and by engaging with relevant stakeholders to identify tailor-made solutions to meet the client's needs.
• Manage costs by monitoring expenses and keeping within budget parameters.
• Achieve economic profit by reviewing pricing annually and making required adjustments.
• Provide relevant recommendations by maintaining sound knowledge of bank's products and solutions; staying abreast of the market and business environment; by using research conducted by bank economic unit and by reading economic and financial material.
• Meet client and bank needs by confirming that recommended solution is in line with bank guidelines for economic profit; bank business needs and regulations and by managing client expectations.
• Support the implementation process by communicating with the client and internal stakeholders; monitoring progress; gathering feedback and taking corrective action.
• Achieve agreed objectives within cost and time parameters by identifying potential and actual problems and working with relevant stakeholders to find solutions.
• Manage all risks and ensure compliance by following regulatory requirements and bank's internal policies and procedures; identifying risks and non-compliances and taking corrective action.
• Recommend improvements for efficiency and competitve advantage by providing client and market feedback to relevant stakeholders.
• Provide a single interface for the client to the bank by having sound knowledge of the bank's products; services and solutions and by coordinating with relevant stakeholders.
• Establish and maintain relationships with relevant stakeholders (internal and external providers) by engaging with them formally and informally e.g. in meetings; problem solving sessions and training sessions.
• Proactively recommend tailor-made solutions to meet the client's needs by gaining an intimate understanding of the client's business and business environment; and by consulting with relevant stakeholders.
• Support the achievement of the business strategy; objectives and values by reviewing Nedbank and Business Unit Plan and ensuring delivered systems; process; services and solutions are aligned.
• 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.

Essential Qualifications - NQF Level

• Matric / Grade 12 / National Senior Certificate

Preferred Qualification

• Degree or diploma at NQF Level 6 in commerce, business, finance or law.

Minimum Experience Level

• 8 years experience in a sales or relationship management role in a banking environment.

Technical / Professional Knowledge

• Banking procedures
• Communication Strategies
• Data analysis
• Governance, Risk and Controls
• Nedbank policies and procedures
• Nedbank vision and strategy
• Principles of project management
• Relevant regulatory knowledge
• Relevant software and systems knowledge
• Cluster Specific Operational Knowledge

Behavioural Competencies

• Becoming a Business Advisor
• High-Impact Communication
• Managing Work
• Sales Disposition
• Sales Negotiation
• Qualifying Sales

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Job Purpose

To ensure synergistic and profitable relationships between Nedbank and International Financial Institutions through relationship management aligned with Nedbank’s strategic objectives.

Job Responsibilities

• Build and maintain relationships with clients by demonstrating an understanding of client needs; communication; acting on feedback. and delivering on client expectations.
• Retain and grow business with existing/new clients through regular engagement/interactions.
• Build and maintain relationships with internal stakeholders through collaboration; information sharing and giving and receiving feedback.
• 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. This is in conjunction with the product owners.
• Optimise outputs by evaluating resource utilisation and analysing channel effectiveness.
• Adhere and comply to internal compliance standards and external regulatory requirements for transactions; proposals and documentation by informing relevant internal stakeholders.
• Resolve work obstacles by monitoring and managing on a case-by-case basis and early escalation where required.
• Inform internal stakeholders of industry changes and legislation through information sharing.
• Source and relate business opportunities from internal departments in line with budgets by building and maintaining internal relationships.
• Deliver project/financial results by communicating and negotiating internal requirements and risk parameters.
• Support the achievement of the business strategy; objectives and values by reviewing Nedbank and Business Unit Plan and ensuring delivered systems; process; services and solutions are aligned.
• 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.

Essential Qualifications - NQF Level

• Matric / Grade 12 / National Senior Certificate
• Advanced Diplomas/National 1st Degrees

Preferred Qualification

Relevant industry specific qualification in Finance or Sales.

Essential Certifications

Preferred Certifications

Minimum Experience Level

• 5 years in a related financial services industry or 5 years role related sales experience.

Technical / Professional Knowledge

• Business administration and management
• Business terms and definitions
• Communication Strategies
• Financial Accounting Principles
• Governance, Risk and Controls
• Nedbank policies and procedures
• Organisational behaviour theory
• Relevant regulatory knowledge
• Management information and reporting principles, tools and mechanisms

Behavioural Competencies

• Initiating Action
• High-Impact Communication
• Driving Successful Customer Engagements
• Aligning and Executing Sales Strategy

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Job Purpose

We are looking for a Senior Manager: Credit Risk to apply credit risk management principles and manage staff in order to minimize risk and impairment charges and to provide client services in support of Nedbank strategies.

Job Responsibilities

• Manage reports through early actioning of exceptions.
• Manage and rehabilitate clients by getting backward roll on arrears
• Identify systems and process improvement initiatives by escalating for decisions to relevant stakeholders.  
• Make  correct credit decisions on a consistent basis first time round by complying to service level agreements.
• Demonstrate an understanding of client needs by providing feedback on application decisions based on Nedbank's risk appetite.
• Upskill stakeholders by sharing knowledge on service offerings and client needs.
• Guide and support internal stakeholders through formal or informal knowledge sharing.
• Collaborate with external stakeholders through regular communication and feedback.  
• Action reports by monitoring, distributing and collating information.
• Manage and support direct reports by providing advise on strategies and/or deliverables.
• Utilize resources by allocating according to business needs.
• Analyse client information to assess level of risk by interpreting financial information within the ambit of banking regulations.
• Resolve work challenges by initiating action plans in accordance with policies and procedures.
• Contribute to policy, procedures and standards enhancement by providing input/suggestions.
• Support the achievement of the  business strategy, objectives and values by reviewing Nedbank and Business Unit Plan and ensuring delivered systems, process, services and solutions are aligned.
• 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

• Matric / Grade 12 / National Senior Certificate
• Diploma

Preferred Qualification

• B.Tech in Credit Management or B.Comm or studying towards a degree in Finance, Banking or Commerce

Minimum Experience Level

• 5 -8 years credit or credit risk experience in a banking environment.
• Atleast 3 - 5 years management experience 

Behavioural Competencies

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

Technical / Professional Knowledge

• Data analysis
• Governance, Risk and Controls
• Industry trends
• Principles of financial management
• Relevant regulatory knowledge
• Working with a group to identify alternative solutions to a problem
• Building and maintaining effective relationships with internal and external stakeholders
• Analysing and interpreting quantitative and qualitative data
• Relevant Nedbank policies and procedures
• Banking knowledge

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Job Purpose

• Lead a team of managers to proactively manage high risk clients across differing industries – understanding client’s businesses, maximizing customer retention and rehabilitation, without compromising the bank’s risk and minimising credit impairments.
• The purpose of this role is to effectively and efficiently manage a portfolio of high risk clients, both internally and externally, whilst mentoring and managing a team of managers.
• The role involves complex, high value transactions where, without intervention and management, could lead to significant financial losses to the bank.

Job Responsibilities

• Formulation and recommendation of fitting client strategies and decisions to a mandated credit committee.
• Overall responsibility for implementing credit decisions and monitoring the financial health post the implementation of credit decisions.
• Provide regular feedback to internal stakeholders as well as a member of the Watchlist Committee for high-risk clients, and the ongoing assessment of impairments on high risk clients.
• Decision maker in Special Portfolio Committee.
• Interacting with various stakeholders across the bank to ensure appropriate solutions are generated for each client.
• Lead interactions with clients, external auditors, lawyers and other banks.
• Meet own and stakeholder objectives by identifying; building and maintaining relationships with stakeholders impacted by credit risk. 
• Ensure client satisfaction and profitability by driving the development of solutions and implementing solutions.
• Ensure integrity of reporting of portfolio of clients, forecasting specific and portfolio impairments based on underlying strategy of each client and managing portfolio accordingly.
• Provide input and assistance to Head of unit with regards to credit policy, mandates, processes and systems within the Special Portfolio environment.
• Negotiate acceptable terms and conditions on behalf of Nedbank in various creditor forums and lead by example for more junior staff.
• Ensure adherence to compliance and other regulations governing the actions of any particular client.
• Ensure that any exceptions are escalated to the appropriate governing body within the bank.
• Provide technical input for the continuous refinement and implementation of rating models to ensure compliance with regulatory requirements. 
• Ensure transformational target are met through consideration of targets during the staff recruitment; retention and training process and utilising suppliers listed on the preferred supplier list for department. 
• Contribute to a culture conducive to the achievement of transformation goals and support business strategies that improve the corporate image by ensuring self; managers and team participation in Nedbank culture building initiatives. 
• Participate and ensure managers encourage staff to participate and support corporate social responsibility initiatives for the achievement of business strategy (e.g.: Green Strategy). 
• Ensure issues raised in culture survey are addressed and results are improved by ensuring action plans are created and executed. 
• Deliver a world class service through others by ensuring a client centric culture through required interventions. 
• Identify areas of resource inefficiencies and promote optimisation through promoting multi-skilling and addressing capacity gaps by reviewing and improving work processes. 
• Optimise efficiency and embed correct values by ensuring direct reports understand and support Nedbank's vision; values and strategy and are measured on delivery against these. 
• Manage performance of direct reports and hold them accountable for managing the performance of their direct reports by implementing performance agreements. 
• Identify relevant development needs by assessing own performance and behaviour through formal and informal feedback. 
• Maintain a high performing team by identifying a talent pool through conducting career conversations and utilising the talent grid principles and developing talent retention programmes (eg: job rotation). 
• Build depth of skills and knowledge in the team of managers by sharing knowledge and insight with team members; ensuring mentoring; coaching and day to day activities. 

Essential Qualifications - NQF Level

• Professional Qualifications/Honour’s Degree

Preferred Qualification

• B.Comm Honours / Master’s Degree / Chartered Accountant.

Minimum Experience Level

• 8 - 10 years credit exposure experience with decision making, 3 -5 years people management experience.
• Working experience of Chapter 6 of the Companies Act of 2008 as well as a good understanding of the Insolvency Act.
• A good working knowledge of financing and security structures.

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

Travel requirements

• Local and international travel from time to time will be required. 

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Job Purpose

To provide client service by applying sound credit risk management principles with approved credit mandates through management of a designated portfolio of clients across multiple products enabling Nedbank to reduce the cluster impairment charge with the view to rehabilitate the client, in line with the business or individual turnaround strategy.

Job Responsibilities

• Give an overview of the book by developing and preparing portfolio review presentations based on Management Information Systems (MIS). Manage performance
• Manage performance and efficiency of the team (where applicable) by conducting on the job training, counselling, coaching and monitoring daily activities
• Ensure processes are actioned within mandated signatories by checking and confirming the sign off                                                                                                                     
• Manage default accounts timeously by obtaining acceptable repayment arrangements or handover portfolio to legal collections
• Enhance policies and procedures by reviewing recommended submissions from other partiesEnhance processes by constantly seeking innovative improvements to the credit systems Adapt to changes in Legislation by enforcing the compliance to the changes Ensure clean audit in area of responsibility by enforcing adherence to bank policies, process and procedures and industry regulations
• Implement sound credit risk management by providing advice on specialized credit risk matters to cross functional teams and direct reports, where applicable
• Approve funding by making decisions based on the credit risk policy guideline and credit norms in conjunction with relevant Nedbank strategy and the analysis based on the information provided  
• Develop client exit or rehabilitation strategies by conducting inter-alia review of client facilities
• Motivate staff where applicable to perform and contribute to the success of the business by creating environment of teamwork through engaging with staff (sharing information) and encouraging participation in decision making processes   
• Approve funding by making decisions based on the credit risk policy guideline and credit norms in conjunction with relevant Nedbank strategy and the analysis based on the information provided  
• Develop client exit or rehabilitation strategies by conducting inter-alia review of client facilities
• Motivate staff where applicable to perform and contribute to the success of the business by creating environment of teamwork through engaging with staff (sharing information) and encouraging participation in decision making processes       

Essential Qualifications:

• Advanced Diplomas/National 1st Degrees

Preferred Qualification

• BCom, BTech or Diploma in Credit

Minimum Experience Level

• 5 years in Banking within Credit environment

Behavioural Competencies

• Building Partnerships
• Coaching
• Communication
• Customer Focus
• Driving for Results
• Selecting Talent

Technical / Professional Knowledge

• Business administration and management
• Change management
• Client service management
• Communication Strategies
• Financial Accounting Principles
• Governance, Risk and Controls
• Organisational systems
• Principles of project management
• Strategic planning
• Management information and reporting principles, tools and mechanisms

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Job Purpose

To acquire and deliver banking solutions to the high value client segment (i.e. SBS; Professional/ Financially affluent); by providing great client experiences and understanding client business and household banking needs.

Job Responsibilities

• To acquire and deliver banking solutions to the high value client segment (i.e. SBS; Professional/ Financially affluent); by providing great client experiences and understanding client business and household banking needs.  Deliver on all targeted products and services as measured through the relevant client management systems and the contribution statement.
• Improve client service through delivering relevant products and services according to client needs.
• Maintain and build a portfolio of high value, and complex clients.
• Unearth client sales / solution opportunities and execute on these opportunities.
• Undertake thorough needs analysis across all clients spheres of financial influence and ensure clients are entrenched into Nedbank.
• Respond within agreed timelines to tasks and responsibilities deployed onto the relevant systems. 
• Build and maintain effective professional relationships with high value profile clients through contact management.
• Deliver banking solutions that meet client needs.
• Understand client's business, personal and household needs.
• Build sound and sustainable client relationships and instil trust among clients that Nedbank is best placed to manage the complexity of their business / personal and household requirements.
• Proactively engage clients in a manner that is relevant to their specific circumstances.
• Collaborate with specialists in client engagements to cross sell and create value based solutions. 
• Ensure work is completed to agreed principles, process and procedures; progress reviewed and corrective action taken where necessary.
• Comply with risk standards, policies and procedures through training and development as required by group compliance framework.
• Facilitate clients compliance correctness in line with Nedbank internal and regulatory standards.                  Identify and resolve any work related obstacles and problems and escalate to senior management.
• Contribute to the improvement of policies, procedures, standards and processes by applying own experience and insights where applicable.
• Understand the bank's risk and credit policy and manage client expectations accordingly.
• 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.
• Comply with internal standard procedures to facilitate the execution of client requirements. 
• Support the achievement of the  business strategy, objectives and values by reviewing Nedbank and Business Unit Plan and ensuring delivered systems, process, services and solutions are aligned.
• 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. 
• 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.
• Seek opportunities to improve business processes and systems by identifying and recommending effective ways to operate and adding value to Nedbank.

Minimum Experience Level

• 4-5 years' Relationship management experience in the financial sector a must
• 2-3 years’ experience in Business Acquisition essential
• Experience in a Sales and Deal Origination related to a Corporate Client Portfolio within a Banking / Financial Services environment would be advantageous

Requirements

• NQF Level 5 or Higher in a Financial or Business-related field essential
• Matric / Grade 12  / National Senior Certificate
• Post-Grad Degree in Financial/Business Management is an advantage
• Valid driver's license and own reliable transport is essential

Technical / Professional Knowledge

• Microsoft Office
• Interpersonal Skills/ Client Relationship
• Business writing
• Business terms and definitions
• Relevant regulatory knowledge
• Data analysis
• Business Acumen
• Decision-making process
• Principles of financial management
• Governance, Risk and Controls

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Job Purpose

To deliver banking solutions to clients by understanding their business and needs through relationship management to achieve Nedbanks strategy to be the most admired bank.

Job Responsibilities

• Deliver banking solutions that meet client needs through understanding of client's business and needs through relationship management.
• Demonstrate an understanding of risk parameters by managing client relationships according to credit principles
• Improve results by tracking and analysing financial reports against agreed measures.  
• Understand clients business and needs through proactive client relationship management according to portfolio mandate.
• Build relationships with internal stakeholders through communication and networking as determined by client needs.
• Collaborate with third parties by engaging with them as guided by requirements of solutions delivered to clients.
• Complete tasks through planning and reviewing against set targets.
• Manage resources (time, processes and support teams) to optimize value against client expectations.
• Comply with risk standards,policies and procedures through training and development as required by group complianceframework
• Research and analyse information by using problem solving techniques to propose solutions for work challenges.
• Support the achievement of the  business strategy, objectives and values by reviewing Nedbank and Business Unit Plan and ensuring delivered systems, process, services and solutions are aligned.
• 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.

Minimum Experience Level

• 4-5 years' Relationship management experience in the financial sector a must
• 2-3 years’ experience in Business Acquisition essential
• Experience in a Sales and Deal Origination related to a Corporate Client Portfolio within a Banking / Financial Services environment would be advantageous

Requirements

• NQF Level 5 or Higher in a Financial or Business-related field essential
• Matric / Grade 12  / National Senior Certificate
• Post-Grad Degree in Financial/Business Management is an advantage
• Valid driver's license and own reliable transport is essential

Technical / Professional Knowledge

• Microsoft Office
• Interpersonal Skills/ Client Relationship
• Business writing
• Business terms and definitions
• Relevant regulatory knowledge
• Data analysis
• Business Acumen
• Decision-making process
• Principles of financial management
• Governance, Risk and Controls

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Job Purpose

To create a unique client experience by attending to enquiries and teller related transactions, client queries, banking requirements, the needs of clients and refer cross sell opportunities while mitigating risk and contribute to branch objectives.

Job Responsibilities

Client Engagement:

• Address any concerns relating to the queue flow or digital devices.
• Assist client to download online applications and resolve any log in issues.
• Assist the client to buy value-added services (e.g. pre-paid data and airtime) online or through a self-service device.
• Assist the client to obtain statements, cards and other relevant documentation from self-service zones.
• Build and maintain client relationships by keeping clients informed of progress or action taken regarding their applications, queries and requests.
• Discover client's service and digital needs through connecting, understanding and delivering financial solutions with care.
• Educate clients and potential clients on how to subscribe and service their account.
• Educate clients on self-service, digital functionality and features.
• Facilitate a conversation with the client to assist them to complete their service needs online.
• Identify quality sales leads and enable cross-selling (without advising) through client engagement, fulfilling, making suggestions, referring to the relevant department for action and by capturing it on the client management system.
• Meet, greet, establish and clarify client needs and verify documentation and direct clients.
• Nurture strong, long-standing client relationships.
• Own the client request end to end and route for alternative intervention if not equipped to service the client.
• Provide knowledgeable client service that fosters mutual trust and confidence.

Business Operations:

• Accept and service cash transactions over the counter.
• Action control check list applicable to teller, enquiries and foreign functions daily.
• Balance and secure branch stock holding (e.g. cards).
• Control the queuing process and prioritise clients with special needs.
• Destroy old stock (e.g. cards) identified by reports.
• Enable the further processing of inter-bank transfers by preparing all transactional documents and originals (WASTE) in the required format by the required deadline for hand over to couriers.
• Ensure ATM/ID availability through balancing and loading of cash and attending to down devices by performing first line device maintenance support.
• Execute on cash management (i.e. Treasury and holdings), cash efficiency and recycling strategies within the store.
• Load cash, balance and provide first line device maintenance and replenishment of consumables of all store devices.
• Minimize losses and ensure corrective action is taken by declaring any discrepancies in cash holdings.
• Process client deposits, withdrawal, change for change and transfer requests by following relevant procedure and policies.
• Process client forex requests by following the relevant procedures and policies (e.g. FBN, bills and transfers).

Risk and Compliance:

• Mitigate risk by controlling counter and drop safe limits according to policy.
• Prevent fraud and losses by adhering to mandates, as well as client and transaction authentication procedures and policies.

Nedbank Goals:

• Act in the client's interest, inform the client, do what you say and promise, take accountability, and go the extra mile.
• Contribute to the success of Nedbank through meeting your service excellence, teamwork and personal development goals whilst adhering to Nedbank security, operational and compliance procedures and policies.
• Develop, retain and grow the business by delivering against individual and team goals that support a positive client experience.
• Improve digital enticement and migration volumes to self-service devices and online channels

Minimum Experience Level

• 6 months' Customer facing experience in a retail environment will be an advantage
• 6 - 12 Months’ Teller experience in a Banking environment a must

Preferred Qualification

• Matric / Grade 12 / National Senior Certificate
• Business Relevant Certificate or Diploma or Institute of Banking would be an advantage

Technical / Professional Knowledge

• Customer service principles
• Relevant product knowledge
• Branch processes and procedures
• Branch service offerings
• Corporate Governance & Compliance
• Cluster specific operations