Credit Analyst

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

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.

Career advice services

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

• Credit Support Manager

• Job Requisition Details

• Requisition ID: 148137

• Location: Johannesburg, Gauteng

• Closing Date: 22 October 2026

• Talent Acquisition: Bongiwe Mchunu

• Job Family

• Business and Commercial Banking

• Career Stream

• Credit Management

• Leadership Pipeline

• Manage Others (MO)

• Career advice services

• Job Purpose

• The Credit Support Manager is an individual contributor responsible for delivering high‑quality administrative, operational and coordination support across the credit environment. The role ensures efficient workflow execution, governance alignment, and strong stakeholder support to enable accurate decision‑making and smooth credit operations. Although the title includes “Manager,” this role does not carry people management responsibility.

• Why Join Our Team

• This role offers a unique opportunity for a highly organised and detail‑driven professional to operate at thecentre of credit governance and operational coordination. With its emphasis on documentation excellence,workflow precision, and strong communication, the position allows you to refine and showcase advancedadministrative capabilities while supporting a dynamic network of leaders and stakeholders. The breadth ofactivities—from managing complex schedules and dependencies to ensuring governance compliance andproducing high‑quality written outputs—builds deep technical competence and positions you as a trusted,influential partner in the credit environment.

• Beyond technical mastery, this role also provides an ideal platform to grow professionally through exposure tosenior stakeholders, cross‑functional collaboration, and strategic operational work. You will play a key part inimproving processes, reducing inefficiencies and enhancing the overall service experience, demonstratingagility, problem‑solving strength and a continuous improvement mindset. With visibility across the full creditvalue chain and the chance to contribute meaningfully to governance and operational excellence, this roleserves as a strong stepping stone into future opportunities in governance, operations, business management orspecialist credit roles.

• Job Responsibilities

• Operational Delivery

• Execute daily credit support activities with accuracy, consistency and strong attention to detail.

• Prepare, organise and maintain documentation, meeting packs, logs, submissions, minutes and

• follow‑ups.

• Ensure all tasks meet required turnaround times, quality expectations and service levels.

• Maintain structured, audit‑ready records and governance artifacts.

• Meeting & Workflow Coordination

• Coordinate diaries, scheduling, meetings, and approval processes across multiple credit stakeholders.

• Prepare agendas, supporting documents and presentations for meetings.

• Record high‑quality minutes and track action items to ensure timely closure.

• Communicate updates, changes and follow‑ups professionally and promptly.

• Stakeholder Engagement

• Serve as a reliable point of contact for Credit Governance teams, Cluster teams, Group Risk, administrators and executives.

• Understand stakeholder needs and proactively support them with accurate information and documentation.

• Facilitate alignment across teams by sharing updates, coordinating dependencies and managing expectations.

• Maintain strong professional communication standards when engaging with senior leaders.

• Governance, Compliance & Quality Assurance

• Ensure that all outputs adhere to governance frameworks, policies, mandates and regulatory expectations.

• Support audit requirements by providing complete, accurate, and well‑organised documentation.

• Maintain high levels of confidentiality, data integrity and compliance.

• Continuous Improvement & Support

• Identify opportunities to improve operational efficiency