Credit Analyst Graduate

• Graduate Programme
• South Africa (various locations)
• Posted: 7

About the Programme

This graduate programme is designed to equip you with the skills needed to manage and maintain risk‑adjusted pricing and ratings in line with Basel requirements. It also supports the implementation of the Internal Ratings-Based (IRB) approach within banking.

Cluster & Career Stream

Business Commercial Banking – Commercial Underwriting | Credit Management | Credit Analyst Graduate

Recruiter Details

REQ 143260 – Twanette Coetser / Veronica Manyike

Closing Date: 17 December 2025

Locations

• Nedbank 270 Cape Road Campus – Port Elizabeth, Eastern Cape
• Nedbank Bloemfontein Campus – Bloemfontein, Free State
• Nedbank 135 Rivonia – Sandton, Gauteng
• Nedbank Menlyn Maine – Pretoria, Gauteng
• Nedbank Kingsmead Campus – Durban, KwaZulu‑Natal
• Nedbank Plattekloof – Cape Town, Western Cape
• Nedbank George Mini Campus – George, Western Cape

Role Summary

As a Credit Analyst Graduate, you will learn to:

• Manage risk‑adjusted pricing and risk ratings.
• Align with the bank’s credit policy and identify cross‑sell opportunities.
• Prepare and recommend credit applications within defined parameters.
• Analyse savings, debt repayment history, earnings, and purchase activities to assess credit risk.
• Recommend appropriate credit terms, issue or decline credit cards, and adjust limits.
• Evaluate customers’ financial status using financial ratios and industry benchmarks.
• Monitor reports to identify risks and ensure compliance.
• Obtain and verify financial information, report breaches, and sign off conditions of approval in required timeframes.
• Identify clients exceeding credit limits through daily excess reports and risk‑rate them.
• Build strong relationships with internal stakeholders and external clients.
• Collaborate with other bank divisions on deals requiring specialist expertise.
• Provide accurate information to stakeholders and share knowledge within the team.
• Use MIS to measure performance, identify required reviews, and meet turnaround times.

Performance & Compliance

• Achieve targets using management information systems.
• Understand client needs and provide timely guidance to meet SLA standards.
• Share knowledge with client service team members and stakeholders.
• Develop team skills to enhance client satisfaction.
• Use MIS to identify required annual and interim facility reviews.
• Meet turnaround times by assessing applications efficiently within agreed SLAs.

Personal & Team Development

• Stay updated on legislation and industry changes through newsletters, websites, and sessions.
• Embrace Nedbank’s vision and demonstrate its values in all interactions.
• Identify training courses and career progression opportunities.
• Complete learning activities, practice experience, and maintain certifications.
• Foster teamwork by understanding roles and responsibilities.
• Ensure smooth workflow through regular communication and feedback with your manager.
• Identify and recommend opportunities to enhance processes, systems, and policies.
• Support corporate social responsibility initiatives.

Requirements

• NQF Level 7 or higher in a Financial Management, Accounting or Analysis‑related field.
• Knowledge of administrative procedures and systems.
• Understanding of banking procedures.
• Data analysis skills.
• Knowledge of governance, risk and controls.
• Relevant regulatory knowledge.
• Business writing skills.
• Industry specific knowledge and familiarity with financial markets.
• Understanding of Nedbank’s vision and strategy.
• Behavioural competencies: adaptability, communication, continuous learning, collaboration, decision making, stress tolerance, driving for results, and managing work.

Apply Now

To apply for this role, visit jobs.nedbank.co.za.