Requisition Details

REQ Number: 146155

Closing Date: 04 June 2026

Location: Nelspruit, Mpumalanga

Job Family

Career Stream

Leadership Pipeline

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

• Credit Policy Management:

  • Align with the bank’s credit policy and identify cross-sell opportunities.
  • Prepare and recommend credit applications within set parameters.
  • Assess credit risk by examining savings, debt repayment history, earnings, and purchase activities.
  • Recommend credit terms, such as issuing or rejecting credit cards, or adjusting limits.
  • Review financial status of customers to determine risk levels.
  • Use financial ratios and industry benchmarks to evaluate cash flow and loan repayment ability.
  • Recommend credit limits based on lending policies.
  • Monitor reports to identify risks and ensure compliance.
  • Measure compliance, identify risks, and make recommendations.
  • Obtain latest financial information, measure compliance, and report breaches.
  • Verify information to sign off conditions of approval within required timeframes.
  • Ensure security by gathering required information.
  • 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 the skills of the client service team and stakeholders.
  • Build strong relationships with internal stakeholders by attending meetings and supporting their strategies.
  • Build and maintain strong relationships with external clients by understanding their business and industry.
  • Involve other bank divisions by seeking their input on deals requiring their expertise.
  • Provide accurate information to stakeholders by maintaining and sharing knowledge with the team.

Job Responsibility Continued

• Performance and Compliance:
  • Achieve targets by using management information systems to measure performance.
  • Understand client needs and provide timely guidance and recommendations to meet service level agreement standards.
  • Share knowledge with client service team members and stakeholders.
  • Develop team skills to enhance external client satisfaction.
  • Use the Management Information System (MIS) to identify required annual and interim facility reviews.
  • Meet turnaround times by assessing applications efficiently within the agreed Service Level Agreement (SLA).

  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 interactions with the team and stakeholders.
  • Improve personal capability by identifying training courses and career progression opportunities through manager feedback.
  • Ensure personal growth and effectiveness by completing learning activities, practicing experience, and maintaining certifications within specified timeframes.
  • Foster teamwork by understanding team members’ roles and responsibilities.
  • Ensure smooth workflow through regular communication and feedback with the 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 achieve key business strategies.

Requirements

• Min 3 Years' Credit Analysis experience in assessing creditworthiness of current and prospective clients.
• Min 3 Years' Business Banking experience in evaluating current and prospective clients financial Statements and credit reports to determine their ability to honor debt obligations.
• NQF Level 6 or Higher in a Financial Management, Accounting or Analysis-related field

Essential Qualifications - NQF Level

Technical / Professional Knowledge

Behavioural Competencies