Job Purpose

• To review account limits as allocated by workflow based on pre-determined triggers and credit risk assessment in order to mitigate risk for Nedbank.

Job Responsibilities

• Eliminate impairments and credit loss ratio by assessing client behaviour on the account.
• Manage client expectations by operating within the specified parameters and Service Level Agreements (SLA).
• Contribute Business Unit cost saving strategy by adhering to the costs limit set by management.
• Provide feedback to clients by responding to requests and queries within the agreed turnaround times.
• Contribute to building of intellectual capital of the team by knowledge sharing with team.
• Build and maintain effective working relationships with clients by providing assistance on credit related matters.
• Conduct risk assessment of client credit by adhering to the prescribed mandate and credit policy.
• Evaluate affordability and credit risk by executing limit reviews and credit assessment.
• Maintain limit review quality by adhering to the productivity standards.
• Improve compliance with Nedbank policies and procedures by executing required training continuously.
• Ensure to verify the client for security purposes by comparing given information with the information on the system according to Nedbank best practice client confidentiality policy.
• Ensure adherence  to 90% Quality Assessment for outbound calls by adhering to the prescribed guideline.
• Keep abreast of legislation and other industry changes that impacts on role by reading the relevant newsletters, websites and attending sessions.
• Understand and embrace the Nedbank vision and demonstrate the values through interaction with team and stakeholders.
• Improve personal capability and stay abreast of developments in field of expertise by identifying training courses and career progression for self through input and feedback from managers.
• Ensure personal growth and enable effectiveness in performance of roles and responsibilities by ensuring all learning activities are completed, experience practiced and certifications obtained and/or maintained within specified time frames.
• Ensure information is provided correctly to stakeholders by maintaining knowledge  sharing knowledge with team.
• 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 social responsibility initiatives for the achievement of key business strategies.
• Identify and recommend opportunities to enhance processes, systems and policies and support.
• implementation of new processes, policies and systems.   

Essential Qualifications – NQF Level

• Matric / Grade 12 / National Senior Certificate

Preferred Qualification

• Diploma: Bank Credit Management , Matric / Grade 12 / National Senior Certificate

Minimum Experience Level

• 1 year experience in Credit or Call Centre environment

Technical / Professional Knowledge

• Administrative procedures and systems
• Banking procedures
• Business terms and definitions
• Data analysis
• Governance, Risk and Controls
• Relevant regulatory knowledge
• Relevant software and systems knowledge
• Business writing skills
• Product Knowledge
• Cluster Specific Operational Knowledge

Behavioural Competencies

• Communication
• Collaborating
• Customer Focus
• Decision Making
• Work Standards
• Managing Work