Credit Analyst
Credit Analyst
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Not Disclosed
Salary Not Disclosed
1 Vacancy
Job Description
Requisition and Specialist Recruiter Details
REQ 141349 - Twanette Coetser
Closing Date - 16 August 2025
Location and Cluster
Total Business Banking and Retail - Commercial Underwriting
Sandton Gauteng
Career Stream
Leadership Pipeline
FAIS Affected
Job Purpose
Job Responsibilities
Credit Policy Management:
- Align with the banks credit policy and identify cross-sell opportunities.
- Prepare and recommend credit applications within set parameters.
- Assess credit risk by examining savings debt repayment history earnings and purchase activities.
- Recommend credit terms such as issuing or rejecting credit cards or adjusting limits.
- Review financial status of customers to determine risk levels.
- Use financial ratios and industry benchmarks to evaluate cash flow and loan repayment ability.
- Recommend credit limits based on lending policies.
- Monitor reports to identify risks and ensure compliance.
- Measure compliance identify risks and make recommendations.
- Obtain latest financial information measure compliance and report breaches.
- Verify information to sign off conditions of approval within required timeframes.
- Ensure security by gathering required information.
- Meet Nedbank Group Rating requirements by reviewing accounts and identifying risks.
- Identify clients exceeding credit limits through daily excess reports.
- Risk-rate clients and assess financial positions using risk systems.
Client Service Management:
- Meet service level agreements by understanding client needs providing guidance and responding promptly.
- Enhance client satisfaction by sharing knowledge and developing the skills of the client service team and stakeholders.
- Build strong relationships with internal stakeholders by attending meetings and supporting their strategies.
- Build and maintain strong relationships with external clients by understanding their business and industry.
- Involve other bank divisions by seeking their input on deals requiring their expertise.
- Provide accurate information to stakeholders by maintaining and sharing knowledge with the team.
Performance and Compliance:
- Achieve targets by using management information systems to measure performance.
- Understand client needs and provide timely guidance and recommendations to meet service level agreement standards.
- Share knowledge with client service team members and stakeholders.
- Develop team skills to enhance external client satisfaction.
- Use the Management Information System (MIS) to identify required annual and interim facility reviews.
- Meet turnaround times by assessing applications efficiently within the agreed Service Level Agreement (SLA).
Personal and Team Development:
- Stay updated on legislation and industry changes through newsletters websites and sessions.
- Embrace Nedbanks vision and demonstrate its values in interactions with the team and stakeholders.
- Improve personal capability by identifying training courses and career progression opportunities through manager feedback.
- Ensure personal growth and effectiveness by completing learning activities practicing experience and maintaining certifications within specified timeframes.
- Foster teamwork by understanding team members roles and responsibilities.
- Ensure smooth workflow through regular communication and feedback with the manager.
Process Improvement and Corporate Responsibility:
- Identify and recommend opportunities to enhance processes systems and policies and support new implementations.
- Contribute to a culture that achieves transformation goals by participating in Nedbank culture-building initiatives.
- Support corporate social responsibility initiatives to achieve key business strategies
Requirements
- Min 3 Years Credit Analysis experience in assessingcreditworthiness of current and prospective clients.
- Min 3 Years Business Banking experiencein evaluating current and prospective clients financial Statements and credit reports to determine their ability to honor debt obligations.
- NQF Level 6 or Higher in a Financial Management Accounting or Analysis-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
Please contact the Nedbank Recruiting Team at
Required Experience:
IC
Employment Type
Full Time
