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Credit Assessor

Pretoria Pretoria Tshwane, South Africa
Closing date
Jun 27, 2024

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Job Role
Contract Type
Full Time
Job Requisition Details


Location: Pretoria, South Africa

Closing Date: 26 June 2024

Talent Acquisition: Poppie Mlotshwa

Job Family


Career Stream

Credit Management

Leadership Pipeline

Manage Self: Professional

FAIS Affected

Job Purpose

To identify potential profit by assessing credit applications with a view to granting credit within acceptable risk parameters and so contribute to the achievement of Nedbank's strategic priorities.

Job Responsibilities

  • Achieve low default target by assessing the quality of applications within bank guidelines, external policies and legislation.
  • Contribute to the growth of the department asset book by granting credit within acceptable risk parameters.
  • Contribute to improved client service by assessing applications within prescribed turnaround times.
  • Achieve results cost effectively by using resources prudently at all times.
  • Reduce losses to the bank by identifying and reporting possible fraud.
  • Facilitate achievement of Sales targets by providing advice to Sales Team on choosing appropriate products and capturing required information.
  • Build a collaborative relationship with Sales Team by using effective interpersonal skills to determine needs and providing advice that facilitates target achievement.
  • Smooth the flow of work by maintaining relationships with internal stakeholder network.
  • Ensure that work is delivered according to plan by monitoring progress against personal scorecard objectives (targets, service level agreements, quality of assessment) and taking remedial action where necessary.
  • Manage time and resources by ensuring that work is completed efficiently without compromising on performance standards.
  • Meet client service level agreements by processing applications within prescribed turnaround times and in line with agreed standards.
  • Comply with Credit policy and lending mandate by operating within set guidelines.
  • Minimize risk of default by assessing the quality of applications within bank guidelines, external policies and legislation.
  • Comply with risk standards by monitoring applications to identify possible fraud and reporting appropriately.
  • Improve effectiveness of credit assessment processes by constantly reviewing outputs and making recommendations.
  • 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 input and feedback from management.
  • Ensure all personal development plan activities are completed within specified timeframe by monitoring progress against plan and taking remedial action where necessary.
  • Share knowledge and industry trends with team and stakeholders during formal and informal interaction by highlighting important new information.
  • 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 (e.g.. Green 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

  • Advanced Diplomas/National 1st Degrees
  • Matric / Grade 12 / National Senior Certificate

Preferred Qualification

  • Diploma or National Degree in related field

Minimum Experience Level

  • 2-3 years relevant experience within a Banking/Financial environment
  • Experience within Credit would be an advantage

Technical / Professional Knowledge

  • Banking procedures
  • Communication Strategies
  • Data analysis
  • Governance, Risk and Controls
  • Industry trends
  • Nedbank vision and strategy
  • Principles of financial management
  • Principles of project management
  • Relevant regulatory knowledge
  • Decision-making process

Behavioural Competencies

  • Applied Learning
  • Decision Making
  • Energy
  • Work Standards
  • Managing Work
  • Quality Orientation


Please contact the Nedbank Recruiting Team at +27 860 555 566

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