Credit Manager IB and TS: Energy Finance

Job Purpose

To recommend credit to place quality assets on to the book and continued risk management across Nedbank.

Job Responsibilities

• Validate client and supporting information by assessing the contents of the documents.
• Proactive Portfolio Management ensuring client ratings are updated in a timely manner.
• Ensuring the portfolio dashboard is dynamically managed to always ensure correctness.
• Oversee capturing of financial statements and ratings models. Scrutiny of the outputs to ensure correctness.
• Analyse credit applications by assessing serviceability of the funding applied for. 
• Ensure Credit Applications are aligned to Nedbank’s Credit Policy and supported to the correct Mandated Authority. 
• Approve funding by making decision based on the credit policy guideline in conjunction with relevant Nedbank strategy and the analysis based on the information provided.
• Manage daily excesses in a timely manner and ensure the correct mandated approval received.
• Validate client and supporting information by assessing the contents of the documents.
• Proactive Portfolio Management ensuring client ratings are updated in a timely manner.
• Ensuring the portfolio dashboard is dynamically managed to always ensure correctness.
• Oversee capturing of financial statements and ratings models. Scrutiny of the outputs to ensure correctness.
• Analyse credit applications by assessing serviceability of the funding applied for. 
• Ensure Credit Applications are aligned to Nedbank’s Credit Policy and supported to the correct Mandated Authority. 
• Approve funding by making decision based on the credit policy guideline in conjunction with relevant Nedbank strategy and the analysis based on the information provided.
• Manage daily excesses in a timely manner and ensure the correct mandated approval received.
• Presentation of Credit Application to the respective Mandated Committees.
• Undertake Ad-Hoc projects when needed (example climate risk reporting).
• Mentoring new joiners and learners rotating through the team.
• Ability to manage stress and timelines.
   

Job Responsibilities continue

• Actively manage self-development by identifying training courses, on-the-job training and manage career progression with the aid of input and feedback from management.
• Build and maintain effective working relationships with both internal and external stakeholders by providing a range of specialized credit risk management advisory services.
• Together with the Business counterparts manage client expectations by operating within the specified parameters and Service Level Agreements (SLA).
• Enhance processes, policies and procedures by recommending and making submissions to the relevant parties.
• Adapt to changes in Legislation by providing input to redesigning credit processes and systems where applicable.
• Ensure processes are actioned within mandated signatories by checking and confirming the sign off.
• Manage daily activities of direct reports by monitoring the staff output.
• Manage performance and build the intellectual capital of the team by conducting on the job training, counselling and coaching.
• Keeping abreast of developments within the sector and the clients within the portfolio.
• 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, including mandatory training and courses 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.
• 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

Preferred Qualification

• Relevant post graduate qualification.

Preferred Certifications

• Chartered Accountant, master's in business administration, CFA, CIMA

Minimum Experience Level

• 2-3 years practical Credit Experience writing and submitting credit applications
• Previous Project Financing experience preferable.

Technical / Professional Knowledge

Behavioural Competencies