Job Description

Requisition and Specialist Recruiter Details REQ 143713 - Twanette Coetser Closing Date - 29 January 2026 Location and Cluster Business and Commercial Banking - Commercial Underwriting Gauteng Durban, Kwazulu Natal Career Stream Credit Management Leadership Pipeline Manage Self: Professional Credit Analyst - Large 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. This includes enabling value-based management and supporting the continued implementation of the Internal Ratings-Based (IRB) Approach within the investment banking environment. Job Responsibilities Credit Policy & Complex Lending Management: * Align with the banks 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 behaviour. * 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 modelling 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 Nedbanks 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 Nedbanks strategic goals. * Participate in corporate social responsibility programs that align with business and community objectives. Requirements * Minimum 3 years experience in credit analysis focused on assessing the creditworthiness of large corporate clients, particularly within complex lending environments such as structured finance, syndicated loans, or multi-tiered facilities. * Minimum 3 years experience in business or corporate banking, with a strong track record of evaluating detailed financial statements and credit reports to determine a clients ability to meet debt obligations in high-value, multi-entity structures. * NQF Level 7 or higher qualification in Financial Management, Accounting, Credit Risk Analysis, or a related field Technical / Professional Knowledge * Banking knowledge * Communication Strategies * Data analysis * Governance, Risk and Controls * Industry trends * Principles of financial management * Relevant regulatory knowledge * Relevant software and systems knowledge * Research methodology * Business Acumen Behavioural Competencies * Coaching * Communication * Continuous Learning * Collaborating * Work Standards * Technical/Professional Knowledge and Skills

Skills Required