Credit Analyst

Requisition and Specialist Recruiter Details

REQ 141349 -  Twanette Coetser

Closing Date  -  16 August 2025

Location and Cluster

Total Business Banking and Retail - Commercial Underwriting 

Sandton, Gauteng

Career Stream

Leadership Pipeline

FAIS Affected

Job Purpose

Job Responsibilities

• Credit Policy Management:

  • Align with the bank’s credit policy and identify cross-sell opportunities.
  • 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 Nedbank’s 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

Behavioural Competencies