Credit Analyst

Requisition and Specialist Recruiter Details

REQ 143713  -  Twanette Coetser

Closing Date  -  29 January 2026

Location and Cluster

Business and Commercial Banking - Commercial Underwriting 

Durban, Kwazulu Natal 

Career Stream

Leadership Pipeline

Credit Analyst - Large

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 7 or higher qualification in Financial Management, Accounting, Credit Risk Analysis, or a related field

Technical / Professional Knowledge

Behavioural Competencies