- Assess the credit risk of customers by examining their savings information, debt repayment history, earnings from business or employment, and purchase activities.
- Based on this analysis, provide recommendations to the company regarding credit terms for customers. For instance, you might recommend issuing a credit card to a new customer, rejecting a new application, or adjusting the credit limit for an existing customer.
- Review the financial status of new and existing customers to determine their level of risk.
- Use financial ratios and industry benchmarks to evaluate a borrower’s cash flow and ability to repay loans.
- Recommend credit limits for new customers based on the company’s lending policies.
Achieving Targets and Service Level Agreements:
- Utilize management information systems to measure performance and achieve targets.
- Understand client needs and provide timely guidance and recommendations to support service level agreement standards.
- Share knowledge with client service team members and other stakeholders.
- Develop skills within the team to improve external client satisfaction.
Building Internal Relationships:
- Attend meetings and collaborate with internal stakeholders to support their strategies.
- Monitor reports, including excess reports, within expected timeframes.
- Identify potential risks and take corrective action to ensure risk compliance.
- Measure compliance and identify risks.
- Make recommendations for achieving compliance using current information and available resources.
- Monitor covenants by obtaining the latest financial information and reporting any breaches.
- Sign off on conditions of approval within required timeframes by verifying the necessary information.
- Gather all required information to verify that security measures are in place.
- Keep abreast of legislation and industry changes that impact your role by reading relevant newsletters, websites, and attending sessions.
Embracing Company Vision and Values:
- Understand and embrace the Nedbank vision.
- Demonstrate the company’s values through interactions with your team and stakeholders.
- Personal Development:
- Continuously improve your expertise by identifying relevant training courses and career progression opportunities based on feedback from managers.
