{"id":1434076,"url":"https://alion.io/job/nedbank-credit-analyst","title":"Credit Analyst","company":{"id":1868711,"name":"Nedbank","domain":"nedbank.co.za","url":"https://alion.io/company/nedbank-co-za","size_band":"501-1000","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"SuccessFactors","truth_index":{"grade":"A","score":98,"open_postings":9,"ghost_share":0,"stale_share":0.222,"repost_share":0.111,"time_to_fill_p50_days":10,"computed_at":"2026-11-03T05:54:40Z"}},"role":"Finance","role_family":"Finance","seniority":"middle","employment_type":null,"work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["South Africa"],"countries":["ZA"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":17500,"max_usd":36000,"period":"year","method":"role_seniority_country_remote_cell","sample_n":59},"experience_years_min":3,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2026-09-10T02:00:00Z","employer_posted_date":"2026-09-10","last_verified_at":"2026-11-02T16:02:44Z","board_verified":true,"closed_at":null,"days_open":54,"trust":{"level":"ok","repost_count":1,"flags":[],"days_open":54},"description":"Requisition and Specialist Recruiter Details\nREQ 144260 - Twanette Coetser\nPipeline line advert\nLocation and Cluster\nBusiness and Commercial Banking - Commercial Underwriting Gauteng\nNational\nCareer Stream\nCredit Management\nLeadership Pipeline\nManage Self: Professional\nCedit Analyst - Large\nJob Purpose\nTo 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.\nJob Responsibilities\nCredit Policy & Complex Lending Management:\nAlign with the bank’s credit policy while managing complex credit lending solutions for large corporate clients.\nPrepare and recommend credit applications involving structured finance, syndicated loans, and multi-tiered facilities within approved parameters.\nAssess credit risk by analysing financial statements, debt repayment history, earnings, and corporate purchasing behaviour.\nRecommend appropriate credit terms and structures, including bespoke facilities, covenant packages, and risk mitigants.\nEvaluate the financial status of large corporations to determine risk levels using advanced financial modelling and stress testing.\nApply financial ratios, industry benchmarks, and sector-specific metrics to assess cash flow adequacy and repayment capacity.\nRecommend credit limits and structures in line with internal lending policies and regulatory frameworks.\nMonitor credit reports and portfolio performance to identify emerging risks and ensure compliance with Basel and IRB standards.\nMeasure compliance, identify breaches, and escalate risk concerns with actionable recommendations.\nObtain and verify updated financial information to support ongoing credit reviews and condition signoffs.\nEnsure appropriate security and collateral structures are in place for complex lending transactions.\nMeet Nedbank Group Rating requirements by conducting thorough account reviews and identifying credit deterioration.\nMonitor daily excess reports to identify clients exceeding approved limits and initiate corrective actions.\nRisk-rate clients using internal risk systems and assess financial positions in line with IRB methodology.\nClient Relationship & Service Management:\nDeliver high-quality service by understanding the unique needs of large corporate clients and responding with tailored credit solutions.\nEnhance client satisfaction by sharing insights and developing the capabilities of the client service team and stakeholders.\nBuild strong relationships with internal stakeholders by participating in deal forums and supporting strategic initiatives.\nMaintain robust external client relationships by understanding their industries, capital structures, and strategic goals.\nCollaborate with other bank divisions (e.g., treasury, legal, risk) to structure and execute complex deals.\nProvide accurate and timely information to stakeholders by maintaining deep product and policy knowledge.\nPersonal & Team Development\nStay informed on regulatory changes, industry trends, and market developments affecting corporate credit.\nDemonstrate Nedbank’s values and vision in all stakeholder interactions.\nPursue continuous learning through training, certifications, and career development initiatives.\nFoster a collaborative team environment through clear communication and role alignment.\nProcess Improvement & Corporate Responsibility\nIdentify opportunities to enhance credit processes, systems, and policies for complex lending.\nSupport transformation and culture-building initiatives aligned with Nedbank’s strategic goals.\nParticipate in corporate social responsibility programs that align with business and community objectives.\nRequirements\nMinimum 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.\nMinimum 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.\nNQF Level 6 or higher qualification in Financial Management, Accounting, Credit Risk Analysis, or a related field\nTechnical / Professional Knowledge\nBanking knowledge\nCommunication Strategies\nData analysis\nGovernance, Risk and Controls\nIndustry trends\nPrinciples of financial management\nRelevant regulatory knowledge\nRelevant software and systems knowledge\nResearch methodology\nBusiness Acumen\nBehavioural Competencies\nCoaching\nCommunication\nContinuous Learning\nCollaborating\nWork Standards\nTechnical/Professional Knowledge and Skills\n---------------------------------------------------------------------------------------\n Please contact the Nedbank Recruiting Team at +27 860 555 566","description_format":"text","description_chars":5032,"description_truncated":false,"requirements":{"experience_years_min":3,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":["Continuous 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