Credit Analyst – Large Corporate Clients

About the role

Nedbank is recruiting a Credit Analyst in Johannesburg to oversee and sustain risk-adjusted pricing and risk ratings for complex credit lending to large corporate clients. The role ensures compliance with Basel regulatory standards and supports the Internal Ratings-Based (IRB) approach within the investment banking sector.

Key responsibilities

• Oversee complex credit lending solutions for large corporate clients and prepare credit applications for structured finance, syndicated loans and multi-tiered facilities
• Evaluate credit risk using financial statements, debt repayment histories, earnings and corporate purchasing behaviour, and propose credit terms, covenants and risk mitigants
• Use financial modelling and stress testing to assess the financial health of large corporations, applying ratios and benchmarks to judge cash flow and repayment capability
• Suggest credit limits and structures aligned with internal lending policies and regulatory frameworks, and monitor credit reports and portfolio performance against Basel and IRB standards
• Review daily excess reports, identify clients exceeding approved limits and take corrective action
• Perform account reviews to identify credit deterioration and ensure appropriate security and collateral arrangements
• Build strong relationships with large corporate clients and collaborate with treasury, legal and risk teams on complex transactions
• Contribute to process improvement, corporate social responsibility programmes and continuous learning

Required profile

• Minimum of 3 years' experience in credit analysis of large corporate clients, including structured finance, syndicated loans or multi-tiered facilities
• At least 3 years' experience in business or corporate banking, assessing detailed financial statements and credit reports
• Degree in Financial Management, Accounting, Credit Risk Analysis or a related discipline (NQF level 6 or higher)

Required skills

• Banking knowledge and governance, risk and controls
• Data analysis and research methodology
• Knowledge of relevant regulations and software and systems used in credit analysis