Requisition and Specialist Recruiter Details
REQ # - Twanette Coetser
Closing Date - 26 September 2025
Location and Cluster
Business and Commercial Banking - Commercial Underwriting Gauteng
Sandton, Gauteng
Career Stream
Credit Management
Leadership Pipeline
Manage Self: Professional
FAIS Affected
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 bank’s 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 Nedbank’s 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 Nedbank’s 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 client’s ability to meet debt obligations in high-value, multi-entity structures.
-NQF Level 6 or higher qualification in Financial Management, Accounting, Credit Risk Analysis, or a related field
Technical / Professional Knowledge
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-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
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-Coaching
-Communication
-Continuous Learning
-Collaborating
-Work Standards
-Technical/Professional Knowledge and Skills
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the Nedbank Recruiting Team at +27 860 555 566
