Credit Analyst

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.

Job Responsibilities

• 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 behavior.
• 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 modeling 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.