Credit Analyst

About this role

Nedbank is hiring a Credit Analyst in its Business and Commercial Banking division, Commercial Underwriting team, based in Gauteng. The role focuses on rating and pricing credit risk for large corporate clients and supports the bank’s Internal Ratings-Based (IRB) approach within investment banking.

What you’ll do

• Prepare and recommend credit applications for structured finance, syndicated loans and multi-tiered facilities, within approved limits.
• Analyse financial statements, repayment history and cash flow to judge how well large corporate clients can repay debt.
• Recommend suitable credit terms, covenants, security and risk mitigants, using financial modelling and stress testing.
• Monitor portfolio performance, daily excess reports and compliance, and escalate risks with clear recommendations.
• Carry out account reviews, collect updated financial information and sign off conditions for ongoing credit reviews.
• Work with treasury, legal and risk colleagues to structure and close complex deals, and help improve credit processes and policies.

What you need

• Minimum 3 years’ experience in credit analysis, assessing the creditworthiness of large corporate clients in complex lending.
• Minimum 3 years’ experience in business or corporate banking, including evaluating detailed financial statements and credit reports.
• NQF Level 6 or higher in Financial Management, Accounting, Credit Risk Analysis or a related field.
• Knowledge of banking, financial management principles, industry trends and relevant regulation.
• Skills in data analysis, research, governance, risk and controls, and communication.
• Experience with relevant software and risk systems is advantageous.

Is this job for you?

This role suits a experienced credit professional who understands corporate lending and enjoys detailed financial analysis. You should be comfortable working with senior stakeholders and keeping up with regulatory change.

Tips before you apply

• Have certified copies of your NQF 6 qualification and any professional certificates ready before you apply.
• Put your years in credit analysis and corporate banking at the top of your CV, with the types of facilities you have handled.
• Describe a deal or review you worked on, showing the financial ratios you used and the decision you made.

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