Credit Analyst

Job Description:

To analyse credit data to estimate the degree of risk in extending credit or lending money to ensure year on year total consumer revenue growth.

Welcome to FNB, the home of the #changeables. We design for the shapeshifters and deliver products and services that make us incredibly proud of people that make us incredibly proud of those who drive our success.

• Achieve year on year Total Consumer Revenue Growth as per the Branch Financial Performance Report for your Customer Portfolio
• Manage costs/expenses within approved budget to achieve cost efficiencies
• Deliver exceptional Credit service that exceeds customers' expectations through proactive, innovative and appropriate solutions
• Assist internal sales partners with credit decisions and application of the credit policy.
• Build and maintain relationships with internal business partners
• Maintenance of expert knowledge on relevant legislative amendments, industry best practices and provision of proactive advice and solutions to relevant stakeholders
• Responsible for maximising cross sell opportunities through credit assessment and client portfolio analysis
• Assist internal sales partners with credit decisions and application of the credit policy and build and maintain relationships with internal business partners
• Ensure average approval turnaround time against target to ensure retention of clients.
• Analyse credit data to estimate degree of risk in extending credit or lending money by accessing credit applications
• Comply with governance in terms of legislative and audit requirements
• Responsible for the returns of daily stats
• Manage personal development to increase own skills and competencies

• Preferred Qualification – Bachelor’s Degrees and Advanced Diplomas:
  Business, Commerce and Management/Finance/Agriculture
• 3 years banking/credit experience will be an advantage
• In accordance with National Credit Act (NCA) candidates applying for this role will require a credit record check

• Opportunities to network and collaborate
• A challenging working environment
• Opportunities to innovate

• Strong sales and client service experience
• Ability to bring in new business and increase acquisition
• Strong credit experience and negotiation skills
• Build and maintain stakeholder relationships experience (any segment)
• Strong collaboration skills
• Exposure to dealing with juristic clients
• Portfolio management experience

Are you interested to take the step? We look forward to engaging with you further. Apply now!

Apply by 22/02/26. All appointments will be made in line with First Rand Group’s Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.