Senior Manager: Credit

REQ 148101 - Twanette Coetser

Closing Date - 13 October 2026

Total Business Banking and Retail - Commercial Underwriting

Edenvale, Gatueng

Credit Management

Manage Others

To review credit assessment and manage risk across lending products to provide oversight and optimise the credit portfolio quality for Nedbank.

• Conduct credit risk monitoring activities to ensure alignment with risk appetite, regulatory requirements, and credit policies.
• Validate client information and supporting documentation for completeness, accuracy, and compliance.
• Analyse credit applications by assessing affordability, serviceability, risk exposure, and funding viability.
• Approve, decline, or recommend alternative funding solutions in line with delegated authority, policy guidelines, and business strategy.
• Provide independent credit risk opinions and challenge lending decisions, policy changes, and business recommendations to ensure sound risk management.
• Prepare, analyse, and present credit risk reports, findings, and recommendations to stakeholders, committees, and governance forums.
• Identify emerging risks through analysis of portfolio performance, market trends, competitor activity, and economic conditions.
• Ensure ethical and fair lending practices by balancing customer needs with prudent risk management principles.
• Monitor compliance with approved corrective actions, regulatory requirements, internal policies, and agreed risk mitigation measures.
• Maintain and enhance credit policies, procedures, controls, and governance frameworks through continuous review and improvement.
• Provide input into the redesign and optimisation of credit processes, systems, and controls to accommodate legislative, regulatory, and business changes.
• Obtain and interpret legal opinions, regulatory directives, and governance requirements to support monitoring and decision-making activities.
• Build and maintain effective relationships with stakeholders by providing specialised credit risk advisory services and securing buy-in on recommendations.
• Manage stakeholder expectations by delivering services within agreed service levels and communicating risk matters effectively.
• Conduct ad hoc reviews and investigations to address immediate, emerging, or heightened credit risk concerns.
• Develop and execute annual monitoring and visitation programmes to ensure effective oversight of lending activities and portfolio risk.
• Contribute to business performance and financial objectives through proactive identification, monitoring, and mitigation of credit risk exposures.
• Manage departmental resources and budgets through effective planning, utilisation, and expenditure control.
• Ensure the quality, accuracy, and consistency of outputs through regular review, monitoring, and coaching of team members.
• Lead and develop employees through performance management, coaching, feedback, recognition, and targeted development initiatives.
• Build organisational capability by identifying current and future skills requirements and supporting learning and development interventions.
• Support talent acquisition, onboarding, succession planning, retention, and transformation objectives to maintain a high-performing and diverse workforce.
• Foster a culture of accountability, collaboration, innovation, knowledge sharing, and continuous improvement across the team.

• 5 - 10 Years’ Credit Assessment and decisioning experience within Banking environment
• Min 5 Years' Business Banking Credit experience in a in evaluating current and prospective clients financial Statements and credit reports to determine their ability to honour debt…