Title:  Credit Risk Analyst

Job Classification

1x Credit Risk Analyst (C5)

Reporting to – Manager: Credit Risk 

Closing Date: 26 June 2026

Career Stream

Credit Collections

Job Purpose

To reduce impairment charge and minimize credit risk for Nedbank Group by following credit collections process while considering client satisfaction and retention.

Job Responsibilities

• Contribute to Business Unit cost saving strategy by adhering to the costs limit set by management.
• Manage client expectations by operating within the specified parameters (outbound and inbound calls) and SLA).
• Build and maintain effective internal and external client relationship by advising on credit and application process and training product knowledge.
• Provide feedback to clients by responding to requests and queries timeously.
• Notify clients of dormant/excess or arrears accounts by preparing relevant correspondence.
• Contribute to building of intellectual capital of the team by knowledge sharing with all stakeholders.
• Inform client of the terms and conditions of facilities granted by preparing facility letter.
• Suggest alternative funding solutions by making recommendations for alternative credit applications or product.
• Mitigate credit risk by downloading and auctioning daily excess reports and monthly risk management reports.
• Ensure compliance to legislation by making recommendations based on credit policy guidelines.
• Validate client and supporting information / security by requesting updated information from internal and external parties.
• Analyze credit applications by assessing serviceability of the funding applied for and client behavior on both internal and external records. This will include full write up and presentation of loan applications.

Job Responsibilities Continue

• Ensure acceptable risk levels by analyzing application as guided by the risk score card.
• Eliminate impairments and credit loss ratio by assessing client behavior on the account and taking the required actions.
• Conduct risk assessment of client credit by adhering to the prescribed mandate and credit policy.
• Evaluate affordability and credit risk by conducting a financial analysis (e.g. Excel, Moody’s rating, BASEL Committee ratings.) do we use this
• Assist with handover / take-on process by preparing the handover / take-on template.
• Check the client portfolio by auctioning bank report, Overseas Telegraphic Transfers (OTT’s) and Electronic Relationship Management (ERM) requests.
• Keep abreast of legislation and other industry changes that impacts on role by reading the relevant newsletters, website and attending sessions.

People Specification

(Affirmative Action Candidates are encouraged to apply)

(Valid Police Clearance , not older than six months)

Preferred Qualification

Diploma or Degree in Accounting or equivalent.

Minimum Experience Level

• Three (3 )Years Banking Experience experience of which 2 years should be in an credit assessment/ credit control / risk management environment.  
• Good understanding of basic credit requirements and client repayment ability assessment on a corporate level.
• Demonstrate sound knowledge of financial statements, the interpretation thereof and credit and collections.  
• Knowledge of Bank of Namibia and Reserve Bank policies and rules are an advantage.
• Strong analytical and computer skills, good interpretative skills as well as excellent interpersonal and communication skills are required.

Technical / Professional Knowledge

Behavioural Competencies