Credit Analyst - Large

Description:

Requisition and Specialist Recruiter Details REQ 143713 - Twanette Coetser Closing Date - 29 January 2026 Location and Cluster Business and Commercial Banking - Commercial Underwriting Gauteng Durban, Kwazulu Natal Career Stream Credit Management Leadership Pipeline Manage Self: Professional Credit 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. 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 7 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