Credit Analyst Large
Share
Job Location:
Johannesburg - South Africa
Monthly Salary:
Not Disclosed
Posted on:
30+ days ago
Vacancies:
1 Vacancy
Job Summary
Requisition and Specialist Recruiter Details
REQ 142081 - Twanette Coetser
Closing Date - 26 September 2025
Location and Cluster
Business and Commercial Banking - Commercial Underwriting Gauteng
Sandton Gauteng
Career Stream
Credit Management
Leadership Pipeline
Manage Self: Professional
FAIS Affected
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 banks 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 Nedbanks 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 Nedbanks 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 clients 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
Please contact the Nedbank Recruiting Team at
Required Experience:
IC
Key Skills
- Financial Statement Preparation
- Credit Analysis
- Cash Flow Analysis
- Math
- Banking
- Analysis Skills
- UCC Law
- Underwriting
- Financial Analysis
- Financial Modeling
- Financial Report Interpretation
- Word Processing
About Company
Stay connected to your wealth and us via our secure Nedbank Private Wealth site. You can transact and check your latest balances.
