Website NBC Bank
NBC Bank
Role Overview: Credit Risk Management
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Focus Sectors: Agriculture & Diversified Industrials.
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Core Mission: Conduct high-quality credit assessments to structure “bankable” solutions while acting as the “second line of defense” for the bank’s portfolio.
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Key Objective: Ensure zero credit losses through proactive monitoring and rigorous risk evaluation.
Key Accountabilities
1. Credit Analysis & Solution Structuring
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End-to-End Application: Manage the full cycle of credit applications, amendments, and reviews.
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Strategic Structuring: Collaborate with Relationship Managers (RM) and Legal teams to create credit products that meet client needs while staying within the bank’s risk appetite.
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Market Insight: Apply knowledge of market fundamentals and economic drivers to assess the viability of financing strategies.
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Sanctioning: Act as the liaison for credits exceeding local risk limits, moving them up to the appropriate lending authorities.
2. Risk Focus & Portfolio Control
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Early Warning Systems: Continuously monitor client performance and the operating environment to detect “early signs” of distress.
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Technical Accuracy: Manage data integrity for Risk Weighted Assets (RWA), including:
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DG (Default Grades)
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LGD (Loss Given Defaults)
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Post-Sanction Monitoring: Oversee security perfection (collateral), facility condition fulfillment, and excess management.
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High-Risk Management: Identify and escalate potential “High-Risk” clients and manage credit write-offs.
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3. Stakeholder & People Management
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Collaboration: Attend customer meetings with Relationship Managers to resolve complex credit issues.
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Technical Support: Provide guidance and coaching to junior Credit Analysts to improve the quality of submissions and meet Service Level Agreements (SLAs).
Candidate Profile: Qualifications & Experience
Education & Certifications
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Degree: Bachelor’s or Honours degree in Accounting, Finance, Business, or Commerce.
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System Knowledge: Experience with CCRS (Credit Central Reporting System) or similar credit monitoring software is highly preferred.
Professional Experience
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Duration: Minimum of 5 years in Credit or Investment Analysis.
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Sector Expertise: Previous exposure to Primary or Secondary Agriculture is a significant advantage (understanding industry drivers like seasonality, crop cycles, and export markets).
Required Competencies
| Competency | Level | Description |
| Analytical Ability | Expert | Deep financial modeling and risk assessment skills. |
| Risk Management | Advanced | Mastery of credit risk principles and governance. |
| Commercial Thinking | Advanced | Balancing bank safety with entrepreneurial client solutions. |
| Stakeholder Management | Advanced | Ability to influence both internal sanctioning offices and external clients. |
How to Apply:
To submit your application, please follow the link provided below.
To apply for this job please visit absa.wd3.myworkdayjobs.com.