Credit Analyst

Requisition and Specialist Recruiter Details REQ - Twanette Coetser Closing Date - 11 September 2025 Location and Cluster Total Business Banking and Retail - Commercial Underwriting Gauteng Cape Town Western Cape Career Stream Credit Management Leadership Pipeline Manage Self: Professional Credit Analyst Job Purpose To manage and maintain risk adjusted pricing and risk ratings in terms of Basel requirements as well as enable value based management and continued implementation of the Internal Ratings Based Approach within investment banking. Job Responsibilities Credit Policy Management Prepare and recommend credit applications within set parameters. Assess credit risk by examining savings debt repayment history earnings and purchase activities. Recommend credit terms such as issuing or rejecting credit cards or adjusting limits. Review financial status of customers to determine risk levels. Use financial ratios and industry benchmarks to evaluate cash flow and loan repayment ability. Recommend credit limits based on lending policies. Monitor reports to identify risks and ensure compliance. Measure compliance identify risks and make recommendations. Obtain latest financial information measure compliance and report breaches. Verify information to sign off conditions of approval within required timeframes. Ensure security by gathering required information. Meet Nedbank Group Rating requirements by reviewing accounts and identifying risks. Identify clients exceeding credit limits through daily excess reports. Risk‑rate clients and assess financial positions using risk systems. Client Service Management Meet service level agreements by understanding client needs providing guidance and responding promptly. Enhance client satisfaction by sharing knowledge and developing the skills of the client service team and stakeholders. Build strong relationships with internal stakeholders by attending meetings and supporting their strategies. Build and maintain strong relationships with external clients by understanding their business and industry. Involve other bank divisions by seeking their input on deals requiring their expertise. Provide accurate information to stakeholders by maintaining and sharing knowledge with the team. Performance and Compliance Achieve targets by using management information systems to measure performance. Understand client needs and provide timely guidance and recommendations to meet service level agreement standards. Share knowledge with client service team members and stakeholders. Develop team skills to enhance external client satisfaction. Use the Management Information System (MIS) to identify required annual and interim facility reviews. Meet turnaround times by assessing applications efficiently within the agreed Service Level Agreement (SLA). Personal and Team Development Stay updated on legislation and industry changes through newsletters websites and sessions. Embrace Nedbanks vision and demonstrate its values in interactions with the team and stakeholders. Improve personal capability by identifying training courses and career progression opportunities through manager feedback. Ensure personal growth and effectiveness by completing learning activities practicing experience and maintaining certifications within specified timeframes. Foster teamwork by understanding team members roles and responsibilities. Ensure smooth workflow through regular communication and feedback with the manager. Process Improvement and Corporate Responsibility Identify and recommend opportunities to enhance processes systems and policies and support new implementations. Contribute to a culture that achieves transformation goals by participating in Nedbank culture-building initiatives. Support corporate social responsibility initiatives to achieve key business strategies. Requirements Min 3 Years Credit Analysis experience in assessing creditworthiness of current and prospective clients. Min 3 Years Business Banking experience in evaluating current and prospective clients financial Statements and credit reports to determine their ability to honor debt obligations. NQF Level 6 or Higher in a Financial Management Accounting or Analysis‑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 Please contact the Nedbank Recruiting Team at Required Experience : IC Key Skills Financial Statement Preparation Credit Analysis Cash Flow Analysis Math Banking Analysis Skills UCC Law Underwriting Financial Analysis Financial Modeling Financial Report Interpretation Word Processing Employment Type : Full Time Experience : years Vacancy : 1 #J-18808-Ljbffr