Job Description

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 Management

Credit Analyst Graduate

Job Purpose

This programme is designed to equip graduates with the skills to manage and maintain risk-adjusted pricing and risk ratings in line with Basel requirements, while enabling value-based management and supporting the continued implementation of the Internal Ratings-Based (IRB) Approach within Bnking.

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

Administrative procedures and systems Banking procedures Data analysis Governance, Risk and Controls Relevant regulatory knowledge Business writing skills Industry specific knowledge Knowledge of financial markets Nedbank vision and strategy Relevant Nedbank Human Resources policies and practices Behavioural Competencies
Adaptability Communication Continuous Learning Collaborating Decision Making Stress Tolerance Driving for results Managing Work
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Please contact the Nedbank Recruiting Team at +27 860 555 566