Credit Analyst Graduate

Requisition and Specialist Recruiter Details

REQ Twanette Coetser / Veronica Manyike

Closing Date - 17 December 2025

Cluster

Business Commercial Banking - Commercial Underwriting

Location

Nedbank 270 Cape Road Campus - Port Elizabet, Eastern Cape

Nedbank Bloemfontein Campus - Bloemfontein, Free State

Nedbank 135 Rivonia - Sandton, Gauteng

Nedbank Menlyn Maine - Pretoria, Gauteng

Nedbank Kingsmead Campus - Durban, KwaZulu Natal

Nedbank Plattekloof - Cape Town, Western Cape

Nedbank George Mini Campus - George, Western Cape

Career Stream

Credit Management

Credit Analyst Graduate

Job Purpose

This programme is designed to equip graduates with the skills to manage and maintain risk-adjusted pricing and risk ratings in line with Basel requirements, while enabling value-based management and supporting the continued implementation of the Internal Ratings-Based (IRB) Approach within Bnking.

Job Responsibilities

At the end of the programme, you will be able to:

Credit Policy Management

• Align with the bank's credit policy and identify cross-sell opportunities.
• Prepare and recommend credit applications within defined parameters.
• Assess credit risk by analysing savings, debt repayment history, earnings, and purchase activities.
• Recommend appropriate credit terms, including issuing or rejecting credit cards or adjusting limits.
• Review customers' financial status to determine risk levels.
• Apply financial ratios and industry benchmarks to evaluate cash flow and repayment ability.
• Recommend credit limits in line with lending policies.
• Monitor reports to identify risks and ensure compliance.
• Measure compliance, identify risks, and provide recommendations.
• Obtain and verify financial information, report breaches, and sign off conditions of approval within required timeframes.
• Ensure security by gathering required documentation.
• 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 team and stakeholder skills.
• Build strong relationships with internal stakeholders by attending meetings and supporting strategies.
• Build and maintain strong relationships with external clients by understanding their business and industry.
• Collaborate with other bank divisions on deals requiring their expertise.
• Provide accurate information to stakeholders by maintaining and sharing knowledge within the team.

Performance and Compliance

• Achieve targets using management information systems to measure performance.
• Understand client needs and provide timely guidance to meet SLA standards.
• Share knowledge with client service team members and stakeholders.
• Develop team skills to enhance client satisfaction.
• Use MIS to identify required annual and interim facility reviews.
• Meet turnaround times by assessing applications efficiently within agreed SLAs.

Personal and Team Development

• Stay updated on legislation and industry changes through newsletters, websites, and sessions.
• Embrace Nedbank's vision and demonstrate its values in all interactions.
• Improve personal capability by identifying training courses and career progression opportunities.
• Ensure personal growth by completing learning activities, practicing experience, and maintaining certifications.
• Foster teamwork by understanding roles and responsibilities.
• Ensure smooth workflow through regular communication and feedback with your 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 align with key business strategies.

Requirements

• NQF Level 7 or Higher in a Financial Management, Accounting or Analysis-related field

Technical / Professional Knowledge

• Administrative procedures and systems
• Banking procedures
• Data analysis
• Governance, Risk and Controls
• Relevant regulatory knowledge
• Business writing skills
• Industry specific knowledge
• Knowledge of financial markets
• Nedbank vision and strategy
• Relevant Nedbank Human Resources policies and practices

Behavioural Competencies

• Adaptability
• Communication
• Continuous Learning
• Collaborating
• Decision Making
• Stress Tolerance
• Driving for results
• Managing Work

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Please contact the Nedbank Recruiting Team