REQ: 143525
Role: Credit Analyst
Advert closing date: 09/01/2026
Job Family
Credit
Career Stream
Credit Management
Leadership Pipeline
Manage Self: Professional
Job Purpose
To manage and maintain risk adjusted pricing and risk ratings in terms of Basel requirements as well as enable value based management and continued implementation of the Internal Ratings Based Approach within investment banking.
Job Responsibilities
- Interpret Financial results based on the annual Financial statements or models provided by analysing and extracting the relevant information for the internal rating process.
- Interact with the front office with regards to the transaction structure to determine the relevant rating models to be applied and provide input with regards to the potential risk mitigates.
- Assist the credit managers with the final ratings by preparing the Credit Risk Application (CRA) with the relevant supporting documents.
- Advise credit managers and the front office by providing an explanation of returns and ratings results.
- Maintain good client relationships by providing timely guidance and accurate information to stakeholders.
- Ensure consistency of information by providing a summary of inputs used for the models to the front office.
- Ensure that client needs are met by facilitating communication between the model developers and the front office.
- Ensure that deadlines are met through the efficient and appropriate allocation of work, enabling every analyst to get a chance to work on different portfolios.
- Ensure that the model used is appropriate by interacting with credit managers and front office regarding transactions.
- Liaise with other departments within Risk with regards to inputs that are required for credit ratings by providing updates and giving feedback on models.
- Provide ad hoc training and coaching to junior staff within credit and new staff members within Investment Banking (IB) through provision of manuals, explanations and demonstrations.
- Support the achievement of the business strategy, objectives and values by reviewing Nedbank and Business Unit Plan and ensuring delivered systems, process, services and solutions are aligned.
- Identify training courses and career progression for self through input and feedback from management.
- Ensure all personal development plan activities are completed within specified timeframe.
- Share knowledge and industry trends with team and stakeholders during formal and informal interaction.
- Obtain buy-in for developing new and/or enhanced processes (e.g. operational processes) that will improve the functioning of stakeholders' businesses by highlighting benefits in support of the implementation of recommendations.
- Contribute to a culture conducive to the achievement of transformation goals by participating in Nedbank Culture building initiatives (e.g. staff surveys etc).
- Participate and support corporate responsibility initiatives for the achievement of business strategy (e.g. Green Strategy).
- Seek opportunities to improve business processes and systems by identifying and recommending effective ways to operate and adding value to Nedbank.
- Advanced Diplomas/National 1st Degrees
Honours Degree in Finance.
Minimum Experience Level
2-3 years experience within a risk environment
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
- Coaching
- Communication
- Continuous Learning
- Collaborating
- Work Standards
- Technical/Professional Knowledge and Skills
