Credit Analyst

Requisition and Specialist Recruiter Details
REQ 143713 - Twanette Coetser
Closing Date - 29 January 2026

Location and Cluster
Business and Commercial Banking - Commercial Underwriting
135 Rivonia, Gauteng

Career Stream
Credit Management

Leadership Pipeline
Manage Self: Professional
Credit Analyst - Large

Job Purpose
To oversee and sustain risk-adjusted pricing and risk ratings in accordance with Basel standards, while facilitating value-based management and the ongoing application of the Internal Ratings-Based Approach in investment banking.

Job Responsibilities

Credit Policy & Complex Lending Management:

• Ensure alignment with the bank’s credit policy while administering intricate credit lending solutions for major corporate clients.
• Prepare and endorse credit applications that involve structured finance, syndicated loans, and multi-tiered facilities within established limits.
• Evaluate credit risk by reviewing financial statements, debt repayment history, earnings, and corporate purchasing behavior.
• Suggest suitable credit terms and structures, including tailored facilities, covenant packages, and risk mitigations.
• Analyze the financial status of large corporations to assess risk levels utilizing advanced financial modeling and stress testing.
• Employ financial ratios, industry benchmarks, and sector-specific metrics to evaluate cash flow sufficiency and repayment ability.
• Propose credit limits and structures that adhere to internal lending policies and regulatory requirements.
• Track credit reports and portfolio performance to pinpoint emerging risks and ensure adherence to Basel and IRB standards.
• Assess compliance, recognize breaches, and escalate risk issues with actionable recommendations.
• Collect and confirm updated financial information to facilitate ongoing credit assessments and condition approvals.
• Ensure that proper security and collateral arrangements are established for complex lending transactions.
• Comply with Nedbank Group Rating requirements by conducting comprehensive account reviews and recognizing credit deterioration.
• Review daily excess reports to identify clients who exceed approved limits and initiate corrective measures.
• Assign risk ratings to clients using internal risk systems and evaluate financial standings according to IRB methodology.

Client Relationship & Service Management:

• Provide exceptional service by understanding the distinct needs of large corporate clients and responding with customized credit solutions.
• Improve client satisfaction by sharing insights and enhancing the capabilities of the client service team and stakeholders.
• Forge strong relationships with internal stakeholders by participating in deal forums and backing strategic initiatives.
• Maintain solid external client relationships by comprehending their industries, capital structures, and strategic objectives.
• Collaborate with various bank divisions (e.g., treasury, legal, risk) to structure and finalize complex deals.
• Ensure accurate and timely information is provided to stakeholders by maintaining comprehensive product and policy knowledge.

Personal & Team Development:

• Stay updated on regulatory changes, industry trends, and market developments impacting corporate credit.
• Exhibit Nedbank’s values and vision in all interactions with stakeholders.
• Engage in continuous learning through training, certifications, and career development opportunities.
• Promote a team-oriented environment through effective communication and role alignment.

Process Improvement & Corporate Responsibility:

• Identify areas for improvement in credit processes, systems, and policies related to complex lending.
• Support transformation and culture-building initiatives that align with Nedbank’s strategic objectives.
• Participate in corporate social responsibility initiatives that correspond with business and community goals.

Requirements:

• A minimum of 3 years of experience in credit analysis focused on evaluating the creditworthiness of large corporate clients, particularly in complex lending settings such as structured finance, syndicated loans, or multi-tiered facilities.
• At least 3 years of experience in business or corporate banking, demonstrating a strong history of assessing detailed financial statements and credit reports to evaluate a client’s capacity to fulfill debt obligations in high-value, multi-entity structures.
• An NQF Level 7 or higher qualification in Financial Management, Accounting, Credit Risk Analysis, or a related discipline.

Technical / Professional Knowledge:

• Banking knowledge
• Communication strategies
• Data analysis
• Governance, risk, and controls
• Industry trends
• Principles of financial management
• Relevant regulatory knowledge
• Relevant software and systems knowledge
• Research methodology
• Business acumen

Behavioural Competencies:

• Coaching
• Communication
• Continuous learning
• Collaboration
• Work standards
• Technical/professional knowledge and skills

Please reach out to the Nedbank Recruiting Team at +27 860 555 566.