Credit Analyst

Requisition and Specialist Recruiter Details

REQ 144260 - Twanette Coetser
Pipeline line advert

Location and Cluster

Business and Commercial Banking - Commercial Underwriting Gauteng
National

Career Stream

Credit Management

Leadership Pipeline

Manage Self: Professional

Credit Analyst - Large

Job Purpose

To oversee and sustain risk-adjusted pricing and risk ratings for intricate credit lending directed at large corporate clients, ensuring compliance with Basel regulatory standards. This role also involves facilitating value-driven management and aiding the ongoing application of the Internal Ratings-Based (IRB) Approach within the investment banking sector.

Job Responsibilities

Credit Policy & Complex Lending Management:

• Ensure adherence to the bank’s credit policy while overseeing complex credit lending solutions for large corporate clients.
• Prepare and advocate for credit applications involving structured finance, syndicated loans, and multi-tiered facilities within sanctioned guidelines.
• Evaluate credit risk through the analysis of financial statements, debt repayment histories, earnings, and corporate purchasing behaviors.
• Propose suitable credit terms and structures, which include customized facilities, covenant packages, and risk mitigants.
• Assess the financial health of large corporations to ascertain risk levels utilizing advanced financial modeling and stress testing.
• Apply financial ratios, industry benchmarks, and sector-specific metrics to evaluate cash flow sufficiency and repayment capability.
• Suggest credit limits and structures that align with internal lending policies and regulatory frameworks.
• Monitor credit reports and portfolio performance to detect emerging risks and ensure adherence to Basel and IRB standards.
• Measure compliance, identify violations, and escalate risk issues with actionable recommendations.
• Collect and verify updated financial data to support ongoing credit assessments and condition approvals.
• Ensure that appropriate security and collateral arrangements are established for complex lending transactions.
• Fulfill Nedbank Group Rating requirements by performing comprehensive account reviews and identifying credit deterioration.
• Review daily excess reports to identify clients surpassing approved limits and initiate corrective measures.
• Risk-rate clients utilizing internal risk systems and assess financial standings in accordance with IRB methodology.

Client Relationship & Service Management:

• Provide exceptional service by comprehending the unique needs of large corporate clients and delivering customized credit solutions.
• Enhance client satisfaction by sharing insights and developing the competencies of the client service team and stakeholders.
• Cultivate strong relationships with internal stakeholders by engaging in deal forums and supporting strategic initiatives.
• Maintain strong external client relationships by understanding their industries, capital structures, and strategic objectives.
• Collaborate with other banking divisions (e.g., treasury, legal, risk) to structure and execute complex transactions.
• Deliver accurate and timely information to stakeholders by maintaining extensive product and policy knowledge.

Personal & Team Development

• Keep abreast of regulatory changes, industry trends, and market developments impacting corporate credit.
• Exemplify Nedbank’s values and vision in all interactions with stakeholders.
• Engage in continuous learning through training, certifications, and career advancement initiatives.
• Promote a collaborative team environment through clear communication and role alignment.

Process Improvement & Corporate Responsibility

• Identify areas for enhancing 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 programs that correspond with business and community goals.

Requirements

• Minimum of 3 years’ experience in credit analysis, concentrating on evaluating the creditworthiness of large corporate clients, especially in complex lending environments such as structured finance, syndicated loans, or multi-tiered facilities.
• At least 3 years’ experience in business or corporate banking, with a proven history of assessing detailed financial statements and credit reports to determine a client’s capacity 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 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

For inquiries, please reach out to the Nedbank Recruiting Team at +27 860 555 566.