Credit Analyst

<p><img id="Picture_x0020_1" src="https://rmkcdn.successfactors.com/dd82a348/461743ac-ca78-42fa-8634-a.png" style="height:255.0px;width:600.0px"></p> <div> <div> <h2><span style=""><strong>Requisition and Specialist Recruiter Details</strong></span></h2> </div> <div> <p>REQ 144260  -  Twanette Coetser</p> <p>Pipeline line advert </p> </div> </div> <div> <div> <h2><span style=""><strong>Location and Cluster</strong></span></h2> </div> <div> <p>Business and Commercial Banking - Commercial Underwriting Gauteng</p> <p>National </p> </div> </div> <div> <div> <h2><span style=""><strong>Career Stream</strong></span></h2> </div> <div>Credit Management</div> </div> <div> <div> <h2><span style=""><strong>Leadership Pipeline</strong></span></h2> </div> <div>Manage Self: Professional</div> </div> <div> <div> <h2><span style="text-decoration:underline"><strong>Cedit Analyst - Large</strong></span></h2> </div> <div> </div> </div> <div> <div> <h2><span style=""><strong>Job Purpose</strong></span></h2> </div> <div> <p>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.</p> </div> </div> <div> <div> <h2><span style=""><strong>Job Responsibilities</strong></span></h2> </div> <div> <p><strong>Credit Policy &amp; Complex Lending Management:</strong></p> <ul style="list-style-type:disc"> <li>Align with the bank’s credit policy while managing complex credit lending solutions for large corporate clients.</li> <li>Prepare and recommend credit applications involving structured finance, syndicated loans, and multi-tiered facilities within approved parameters.</li> <li>Assess credit risk by analysing financial statements, debt repayment history, earnings, and corporate purchasing behaviour.</li> <li>Recommend appropriate credit terms and structures, including bespoke facilities, covenant packages, and risk mitigants.</li> <li>Evaluate the financial status of large corporations to determine risk levels using advanced financial modelling and stress testing.</li> <li>Apply financial ratios, industry benchmarks, and sector-specific metrics to assess cash flow adequacy and repayment capacity.</li> <li>Recommend credit limits and structures in line with internal lending policies and regulatory frameworks.</li> <li>Monitor credit reports and portfolio performance to identify emerging risks and ensure compliance with Basel and IRB standards.</li> <li>Measure compliance, identify breaches, and escalate risk concerns with actionable recommendations.</li> <li>Obtain and verify updated financial information to support ongoing credit reviews and condition signoffs.</li> <li>Ensure appropriate security and collateral structures are in place for complex lending transactions.</li> <li>Meet Nedbank Group Rating requirements by conducting thorough account reviews and identifying credit deterioration.</li> <li>Monitor daily excess reports to identify clients exceeding approved limits and initiate corrective actions.</li> <li>Risk-rate clients using internal risk systems and assess financial positions in line with IRB methodology.</li> </ul> <p><strong>Client Relationship &amp; Service Management:</strong></p> <ul style="list-style-type:disc"> <li>Deliver high-quality service by understanding the unique needs of large corporate clients and responding with tailored credit solutions.</li> <li>Enhance client satisfaction by sharing insights and developing the capabilities of the client service team and stakeholders.</li> <li>Build strong relationships with internal stakeholders by participating in deal forums and supporting strategic initiatives.</li> <li>Maintain robust external client relationships by understanding their industries, capital structures, and strategic goals.</li> <li>Collaborate with other bank divisions (e.g., treasury, legal, risk) to structure and execute complex deals.</li> <li>Provide accurate and timely information to stakeholders by maintaining deep product and policy knowledge.</li> </ul> <p><strong>Personal &amp; Team Development</strong></p> <ul style="list-style-type:disc"> <li>Stay informed on regulatory changes, industry trends, and market developments affecting corporate credit.</li> <li>Demonstrate Nedbank’s values and vision in all stakeholder interactions.</li> <li>Pursue continuous learning through training, certifications, and career development initiatives.</li> <li>Foster a collaborative team environment through clear communication and role alignment.</li> </ul> <p><strong>Process Improvement &amp; Corporate Responsibility</strong></p> <ul style="list-style-type:disc"> <li>Identify opportunities to enhance credit processes, systems, and policies for complex lending.</li> <li>Support transformation and culture-building initiatives aligned with Nedbank’s strategic goals.</li> <li>Participate in corporate social responsibility programs that align with business and community objectives<strong>.</strong></li> </ul> </div> </div> <div> <div> <h2><span style=""><strong>Requirements</strong></span></h2> </div> <div> <ul style="list-style-type:disc"> <li>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.</li> <li>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.</li> <li>NQF Level 6 or higher qualification in Financial Management, Accounting, Credit Risk Analysis, or a related field</li> </ul> </div> </div> <div> <div> <h2><span style=""><strong>Technical / Professional Knowledge</strong></span></h2> </div> <ul style="list-style-type:disc"> <li>Banking knowledge</li> <li>Communication Strategies</li> <li>Data analysis</li> <li>Governance, Risk and Controls</li> <li>Industry trends</li> <li>Principles of financial management</li> <li>Relevant regulatory knowledge</li> <li>Relevant software and systems knowledge</li> <li>Research methodology</li> <li>Business Acumen</li> </ul> </div> <div> <div> <h2><strong><span style="">Behavioural Competencies</span></strong></h2> </div> <ul style="list-style-type:disc"> <li>Coaching</li> <li>Communication</li> <li>Continuous Learning</li> <li>Collaborating</li> <li>Work Standards</li> <li>Technical/Professional Knowledge and Skills</li> </ul> </div><p style="line-height:18.9px"><img alt="" height="228" src="https://rmkcdn.successfactors.com/dd82a348/61ad7a3f-eb85-4980-a04c-e.jpg" style="height:75.0px;width:600.0px" width="245"></p> <p style="line-height:18.9px">---------------------------------------------------------------------------------------</p> <p style="line-height:18.9px"><span style=""><em><b>Please contact the Nedbank Recruiting Team at +27 860 555 566 </b></em></span></p>