We are looking for a Provincial Manager Credit to implement the credit strategy and policy within a specific Retail Relationship Banking region and to ensure the acquisition of quality assets thereby contributing to Nedbanks strategy. Job Responsibilities
Limit the credit impairments by ensuring quality lending.
Ensure financial results are met through prudent credit assessment which result in the granting of credit to low risk clientele.
Optimise resources and minimise cost through proactive management of all resources (internal and external).
Ensure client needs and expectations are met by understanding their businesses and delivering service to them within the agreed timeframes.
Establish and maintain sound relationships with internal stakeholders by attending the Sales Management Committee meetings and participating in teleconfencing with sales counterparts.
Build trusting working relationships with managers, subordinates and peers through regular interaction and communication.
Ensure compliance with regulations and policies and through regular and continuous monitoring of the same.
Ensure that work is effectively executed and that results are achieved by allocating appropriate mandates to staff.
Manage the quality of the Management Information System by regularly checking for errors and any inefficiencies.
Define and set standards within the region
Optimise the productivity of staff by managing and monitoring their performance and developing action plans to address any identified gaps in performance.
Manage risks through one-up audits of assessments.
Ensure smooth output of workflow by managing assessment queues
Resolve customer complaints by reacting timeously.
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 reports and hold them accountable for managing the performance of their reports by implementing performance agreements, ensuring a clear vision, agreeing on goals and objectives, providing regular feedback on performance, recognising and rewarding achievement and take appropriate corrective action where required.
Identify relevant development needs by assessing own performance and behaviour through formal and informal feedback.
Drive to execute own and direct reports planned development by attending learning, seeking coaching or other industry or technical learning events and opportunities.
Maintain a capable high performing team by identifying a talent pool through conducting career conversations and utilising the talent grid principles and developing talent retention programmes (e.g. 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.
Ensure continuous improvement goals are achieved by creating an environment whereby self, managers and team are encouraged to challenge the status quo by initiating constructive debates about work practices and areas for improvement.
Improve productivity and reduce costs by improving work processes through offering innovative ideas and input and soliciting input from managers and teams.
Ensure transformational target are met through consideration of targets during the staff recruitment, retention and training process
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.
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.
Minimum Experience Level
Minimum 10 years experience in credit assessment and credit management
Minimum 10 years experience in a managerial role
Knowledgeable in all industries including but not limited to manufacturing, wholesale, transport retail , tourism, agric , fishing , public sector
Matric / Grade 12 / National Senior Certificate
Bachelor of Commerce or
Bachelor of Accouting Science CA(SA)
Type of Exposure
Managing a team of managers and / or others
Developing succession plans
Formulating and implementing communication strategies to cascade group functional strategies
Building a community of leaders
Conducting benchmarking exercises to identify improvement opportunities
Executing organisational change
Developing resource plans to execute functional strategies
Networking and building relationships
Establishing and maintaining collaborative relationships with peers / subordinates / managers
Managing business risks
Technical / Professional Knowledge
Business administration and management
Client service management
Financial Accounting Principles
Governance, Risk and Controls
Organisational behaviour theory
Principles of project management
Relevant regulatory knowledge
Management information and reporting principles, tools and mechanisms