Senior Manager: Credit

Johannesburg, South AfricaFull-timeSeniorOn-sitePosted 13 Oct 2026

Job Overview

Nedbank Total Business Banking and Retail (Commercial Underwriting) is appointing a Senior Manager: Credit in Edenvale, Gauteng, to review credit assessment and manage risk across lending products, providing oversight that optimises credit portfolio quality. The role sits in the Credit Management career stream on the Manage Others leadership pipeline (REQ 148101).

The Senior Manager conducts credit risk monitoring against risk appetite, regulatory requirements and credit policies; validates client information; analyses applications for affordability, serviceability, risk exposure and funding viability; and approves, declines or recommends alternative funding solutions within delegated authority. The incumbent provides independent credit risk opinions that challenge lending decisions and policy changes, prepares risk reports for governance forums, and identifies emerging risks from portfolio performance, market trends and economic conditions.

The role also maintains credit policies and controls, partners with stakeholders on specialised credit advisory, manages departmental resources and leads and develops the credit team through performance management, coaching and capability building. Permanent role; closing date 13 October 2026.

Key Responsibilities

• Conduct credit risk monitoring 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 for affordability, serviceability, risk exposure and funding viability

• Approve, decline or recommend alternative funding solutions within delegated authority and policy

• Provide independent credit risk opinions and challenge lending decisions and policy changes

• Prepare and present credit risk reports and recommendations to stakeholders and governance forums

• Identify emerging risks via portfolio, market, competitor and economic analysis

• Maintain and enhance credit policies, procedures, controls and governance frameworks

• Manage departmental resources and budgets; review and coach team members for quality and consistency

• Lead and develop employees through performance management, coaching, succession and transformation objectives

Required Qualifications

• NQF Level 7 or higher in a Financial or Banking-related field (essential)

• 5–10 years’ credit assessment and decisioning experience within a banking environment

• Minimum 5 years’ Business Banking credit experience evaluating financial statements and credit reports in a Commercial and Agricultural environment

• Extensive understanding of legalities associated with lending and collateral

• Team management / leadership experience advantageous; proven track record managing a large book

• Preferred: Postgraduate Diploma in Risk Management, Accounting, Finance or Auditing; CIMA or Credit Management degree advantageous

• Own reliable vehicle and valid driver’s licence; must be prepared to travel

Skills & Requirements

Credit Risk ManagementCommercial UnderwritingCredit AssessmentPortfolio MonitoringLending & CollateralFinancial Statement AnalysisGovernance Risk & ControlsRegulatory ComplianceStakeholder ManagementTeam LeadershipCredit PolicyBusiness BankingRisk ReportingDecisioning