Credit Analyst Large

nedbank; Johannesburg; On-site; ZAR 500,000 - 700,000; Full time

Job summary

A leading financial services provider is seeking a skilled professional to manage and maintain risk-adjusted pricing for complex credit lending to large corporate clients. The ideal candidate will have at least 3 years of experience in credit analysis and corporate banking, with a robust understanding of financial assessments and risk management. Emphasis will be placed on strong interpersonal skills, as relationship management with stakeholders is critical. This position is based in Johannesburg, offering a dynamic environment aligned with Basel regulatory standards.

Qualifications

• Minimum 3 years’ experience in credit analysis focused on large corporate clients.
• Experience in business or corporate banking with detailed financial evaluation.
• Strong track record in managing complex lending environments.

Responsibilities

• Manage and maintain risk-adjusted pricing for corporate credit lending.
• Evaluate financial statements and recommend credit terms.
• Ensure compliance with Basel regulatory requirements.

Skills

Credit analysis

Financial assessment

Risk management

Data analysis

Communication

Education

NQF Level 6 or higher qualification in Financial Management, Accounting, or related field

Job description

Requisition and Specialist Recruiter Details

Closing Date - 26 September 2025

Location and Cluster

Business and Commercial Banking - Commercial Underwriting Gauteng

Credit Management

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 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
• Coaching
• Communication
• Work Standards
• Technical/Professional Knowledge and Skills

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and registered credit provider (NCRCP16).

Please contact the Nedbank Recruiting Team at [phone]

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