Lusayo Nyondo

Highly experienced Credit Analyst and Banking Professional with over 20 years in the financial services sector, having served in key credit, risk, and relationship roles at ABSA, Standard Bank, RMB Private Clients, and First National Bank. Specialising in credit assessment for large corporates with turnovers exceeding R125 million, I bring deep expertise in credit policy, risk mitigation, regulatory compliance, and portfolio management. Known for strong analytical thinking, sound judgment, and a collaborative approach, I provide strategic credit support to business units while ensuring risks are managed within the bank's governance and regulatory frameworks.

My passion for responsible lending, staff development, and service delivery has made me a trusted advisor in both operational and strategic initiatives. Currently completing an Honours degree in Business Management, I continue to develop my skills in line with modern credit practices and financial market demands.

Credit Analyst - ABSA Bank - Johannesburg, South Africa

(2012-03 - 2025-07)

Business Commercial division - Manage credit evaluations for high-value corporate clients within delegated lending limits.

• Manage credit evaluations for high-value corporate clients, ensuring risk is contained while enabling business growth
• Monitor high-risk accounts on the High Care and Monitoring Lists
• Ensure full compliance with regulatory requirements and internal credit policies
• Provide training and mentorship to junior analysts and business units
• Support business planning, reporting, and cost efficiency initiatives
• Participate in decision-making for credit structuring within delegated lending limits
• Annual / semi annual / quarterly /assessment of credit risk per company in analyst's portfolio
• Critically and independently making recommendations to the relevant committees. Close consultation with Credit Portfolio Management ("CPM") to enable CPM to calculate accurate Economic Capital and risk-adjusted return statistics
• Financial analysis and credit ratings to calculated and updated as and when new information becomes available, using the suite of Moody's KMV products used by SCM
• Perform comparative analysis amongst industry peers to assess a proposed counterpart's position relative to its industry peers.

Manager: Credit Evaluation (Private Banking) - Standard Bank South Africa - Johannesburg, South Africa

(2008-02 - 2012-02)

• Conducted credit assessments with a mandate limit of R4 million
• Ensured compliance with SBSA credit policies and external regulations
• Provided expert advice to business partners on risk and internal controls
• Delivered high-quality credit assessments and managed credit-related queries
• Business growth, risk management, performance management, learning and development, business plan execution and relationship with our business partners
• Reporting any breaches and exposure to the Credit Unit Head and/or the division. Ensure an efficient support service to our business partners and other role players on all credit evaluation activities, thereby ensuring that risk is minimised whilst service levels are maintained.
• Effectively manage names on the High Care List and Monitoring List. Decision making pertaining to Credit assessment of applications as per authorised lending limit
• Ensuring that the service provided, meets and exceeds the required service levels as set out in the service agreements regarding credit assessments, whilst risk maintained as prescribed.
• Supporting the business partners in accordance with the Group's core values, policies and procedures, through the sharing of knowledge, coaching and by assisting in improving the quality of risk.

Arrears Analyst - RMB Private Clients - Johannesburg, South Africa

(2006-09 - 2008-01)

• Monitored client performance and managed high-risk accounts
• Prepared personal and business credit proposals
• Ensured facility structuring aligned with client needs and bank risk appetite
• Supported credit recovery efforts through close liaison with business support teams

Relationship Analyst - First National Bank - Johannesburg, South Africa

(2003-10 - 2006-09)

• Conducted financial and credit analysis for SME and mid-corporate clients
• Managed renewals, covenant monitoring, and facility structuring
• Prepared credit submissions and supported deal forums
• Collaborated with sales and risk teams to mitigate credit exposure

Honours Degree - Business Management - University of South Africa (UNISA) (2024)

Bachelor of Commerce - Business Management - Damelin College (2000 - 2004)

Diploma - Marketing and Business Management - Damelin College (1999 - 1999)

Matriculation - Sandringham High School (1996)