Annie Edwards

Own the Intuitive Credit loan management product and nCino platform, translating business strategy into product direction, roadmaps, and delivery priorities. Lead product and delivery teams and align execution with business owners, executives, product management, and technology teams.

Led credit documentation and fulfilment, outward guarantees, collateral management, loan account maintenance, bond cancellations, and secure filing of original documents. Managed operational risk, service delivery, budgets, reporting, stakeholders, and staff.

Supported strategic initiatives to strengthen credit approval and customer maintenance across business banking areas. Contributed to credit workflow development, credit rating model and scorecard implementation, integrated customer views, and credit procedure enhancements.

Led credit strategy and oversight for Private Bank, Integrated Sales, and commercial/business portfolios, taking decisions within delegated mandate levels. Monitored portfolios to identify emerging problems and determine appropriate remedial action and escalation.

Analysed credit applications, conducted credit checks, and made decisions within mandate; sponsored or referred applications above mandate to committees. Managed and coached credit staff and built effective relationships with private banking teams.

Partnered with lending business units on pre-credit submissions, transaction structuring, and risk analysis. Performed due diligence on complex transactions, prepared executive credit summaries, and voted on credit committee decisions up to a £15 million mandate.

Supported international private bankers and executives with tailored credit solutions for client requirements.

Developed new business and credit assets in the KwaZulu-Natal province against an annual growth objective of approximately 30%.

Supported rollout of a computerised credit risk grading model through training for Business Bank staff.

Managed a credit portfolio with a R10 million mandate, overseeing credit risk and portfolio performance.

Served as Credit Manager with a R2 million mandate, Acting Credit Manager, and Commercial Analyst at First Commerce.

Worked as Business Co-ordinator: Industry Analyst and Corporate Analyst at FNB Corporate, and as Executive Trainee at First National Bank of SA.

Earned the nCino Platform Certification in 2025.

Earned OnBase Certified System Administrator and OnBase Certified Workflow Administrator certifications in 2018.

Completed the Certificate in Mortgage Advice and Practice (CeMAP) in 2007.

Earned the Certified Associate of the Institute of Bankers in South Africa (CAIB(SA)) from 1996 to 1997.

Completed an Honours degree in Economics, Banking and Labour Economics in 1994.

Completed a BCom Law degree with majors in Law, Accountancy and Economics from 1991 to 1993.