Credit Manager: Leverage

Job Purpose

A Credit Manager in Nedbank Corporate Investment Banking is responsible for overseeing the credit risk associated with lending transactions within the Leveraged Finance, Aircraft Finance, Telecommunication and Securitisation portfolio. This role involves evaluating the creditworthiness of clients, managing credit portfolios and ensuring compliance within the Nedbank’s risk parameters and provide a superior client service by applying sound lending credit principles thereby enabling Nedbank to grow its client base within an acceptable credit risk appetite.

Job Responsibilities

Credit Risk Assessment

• Validate all client and supporting information by assessing the content of the documents as part of the overall credit risk assessment and analysis. 
• Prepare and/or review credit applications relating to new clients/ existing clients/reviews/funding requests/amendment requests.  
• Suggest alternative funding solutions by making recommendations based on the credit policy guidelines and the analysis based on the information provided.
• Ensure compliance of sanctioning and credit decisions based on the credit policy guidelines in conjunction to the appropriate mandated authority. 
• Ability to write credit recommendations by highlighting risks and mitigants as part of the credit submission.

Portfolio Management 

• Be responsible for the daily, weekly and monthly reporting and ensure requisite reports are formalised within agreed timeframes.  
• Seek opportunities to improve business policies, processes and systems by identifying and recommending effective ways to operate and adding value to Nedbank.
• Financial Analysis 
• Conducting detailed financial analysis of financial statements, client projections and financial models to determine serviceability of the various funding requests.   

Compliance and Reporting 

• Ensuring adherence to regulatory requirements and internal policies specific to the portfolio by providing input into various committee reports.  

Stakeholder Management

• Build and maintain effective working relationships with internal and external stakeholders by providing a range of specialized credit risk management advisory services.
• Manage client expectations by operating within the specified parameters and Service Level Agreements (SLA).
• Ability to network and collaborate across various clusters within the bank. 

Personal Career Development

• Identify training courses and career progression for self through input and feedback from management. 

Essential Qualifications - NQF Level

Preferred Qualification

B.Com (Hons), CA(SA) or CFA

Preferred Certifications

CA/MBA/CFA /CIMA/BComm 

Minimum Experience Level

• 2-3 years Credit Risk Management experience within Banking environment 
• Experience in Leveraged transaction, Acquisition, Sub-ordinated debt, Securitisation finance and Share-backed lending would be preferred

Technical / Professional Knowledge

Behavioural Competencies