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Credit Analyst
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NedbankNational, ZARequisition and Specialist Recruiter Details
REQ 135781 - Twanette Coetser
PIPELINE ADVERT
Location and Cluster
Total Business Banking and Retail - Credit Value Management
National
Career Stream
Credit Management
Leadership Pipeline
Manage Self : Professional
Credit Analyst
Job Purpose
We are looking for an experience Credit Analyst to join our team. In this role you will be required to assess credit risk of existing portfolio so that risk is managed and mitigated in line with the banks credit policy.
We look forward to reviewing your application.
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 :
Performance and Compliance :
Personal and Team Development :
P rocess Improvement and Corporate Responsibility :
Minimum Experience Level
Requirements
Technical / Professional Knowledge
Behavioural Competencies
Please contact the Nedbank Recruiting Team at +27 860 555 566