Credit Analyst Graduate

Requisition and Specialist Recruiter Details

REQ 143260  -  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 Analyst Graduate

Job Purpose

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

Behavioural Competencies