Credit Analyst

Requisition and Specialist Recruiter Details

Pipeline line advert

Location and Cluster

Business and Commercial Banking - Commercial Underwriting Gauteng

National

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Credit Management

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Manage Self: Professional

Cedit Analyst - Large

Job Purpose

To manage and maintain risk-adjusted pricing and risk ratings for complex credit lending to large corporate clients, in alignment with Basel regulatory requirements. This includes enabling value-based management and supporting the continued implementation of the Internal Ratings-Based (IRB) Approach within the investment banking environment.

Job Responsibilities

Credit Policy & Complex Lending Management:

• Align with the bank’s credit policy while managing complex credit lending solutions for large corporate clients.

• Prepare and recommend credit applications involving structured finance, syndicated loans, and multi-tiered facilities within approved parameters.

• Assess credit risk by analysing financial statements, debt repayment history, earnings, and corporate purchasing behaviour.

• Recommend appropriate credit terms and structures, including bespoke facilities, covenant packages, and risk mitigants.

• Evaluate the financial status of large corporations to determine risk levels using advanced financial modelling and stress testing.

• Apply financial ratios, industry benchmarks, and sector-specific metrics to assess cash flow adequacy and repayment capacity.

• Recommend credit limits and structures in line with internal lending policies and regulatory frameworks.

• Monitor credit reports and portfolio performance to identify emerging risks and ensure compliance with Basel and IRB standards.

• Measure compliance, identify breaches, and escalate risk concerns with actionable recommendations.

• Obtain and verify updated financial information to support ongoing credit reviews and condition signoffs.

• Ensure appropriate security and collateral structures are in place for complex lending transactions.

• Meet Nedbank Group Rating requirements by conducting thorough account reviews and identifying credit deterioration.

• Monitor daily excess reports to identify clients exceeding approved limits and initiate corrective actions.

• Risk-rate clients using internal risk systems and assess financial positions in line with IRB methodology.

Client Relationship & Service Management:

• Deliver high-quality service by understanding the unique needs of large corporate clients and responding with tailored credit solutions.

• Enhance client satisfaction by sharing insights and developing the capabilities of the client service team and stakeholders.

• Build strong relationships with internal stakeholders by participating in deal forums and supporting strategic initiatives.

• Maintain robust external client relationships by understanding their industries, capital structures, and strategic goals.

• Collaborate with other bank divisions (e.g., treasury, legal, risk) to structure and execute complex deals.

• Provide accurate and timely information to stakeholders by maintaining deep product and policy knowledge.

Personal & Team Development

• Stay informed on regulatory changes, industry trends, and market developments affecting corporate credit.

• Demonstrate Nedbank’s values and vision in all stakeholder interactions.

• Pursue continuous learning through training, certifications, and career development initiatives.

• Foster a collaborative team environment through clear communication and role alignment.

Process Improvement & Corporate Responsibility

• Identify opportunities to enhance credit processes, systems, and policies for complex lending.

• Support transformation and culture-building initiatives aligned with Nedbank’s strategic goals.

• Participate in corporate social responsibility programs that align with business and community objectives**.**

Requirements

• Minimum 3 years’ experience in credit analysis focused on assessing the creditworthiness of large corporate clients, particularly within complex lending environments such as structured finance, syndicated loans, or multi-tiered facilities.

• Minimum 3 years’ experience in business or corporate banking, with a strong track record of evaluating detailed financial statements and credit reports to determine a client’s ability to meet debt obligations in high-value, multi-entity structures.

• NQF Level 6 or higher qualification in Financial Management, Accounting, Credit Risk Analysis, or a related field

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

• Collaborating

• Work Standards

• Technical/Professional Knowledge and Skills

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