Requisition and Specialist Recruiter Details
REQ : Twanette Coetser
Pipeline line advert
Location and Cluster
Business and Commercial Banking : Commercial Underwriting Gauteng
National
Career Stream
Credit Management
Leadership Pipeline
Manage Self: Professional
Cedit Analyst : Large
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 and Complex Lending Management:
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: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 and Service Management:
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: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 and Team Development
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: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 and Corporate Responsibility
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: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 responsibi
To apply for this job please visit the following URL: https://www.tiptopjob.com/jobs/133465889_job.asp?source=trovit