Credit Analyst

Description

To gather, analyse and draw insights from client financial information pertaining to credit risk.

To undertake key research of client business, industries, and legislation to derive insights from credit analyses.

• Prepare high quality and well written credit applications including the assessment of credit risks and application of credit ratings which demonstrate:
• An understanding of the credit risks associated with underlying transactions and counter parties.
• The application of credit frameworks and methodologies in marking of credit limits.
• A sound understanding of the operating and business environment relating to non‑bank financial institutions (for example insurance and reinsurance companies, asset managers, funds, exchanges, clearing houses, broker/dealers etc.).
• An up to date understanding of the critical key macro environmental factors, impacts, and inter‑relationships (e.g. industry and sector developments, regulations, financial markets, country risks etc) which are relevant to the counter party and deal risk profile.
• Perform detailed financial analysis, forecasting and ratio analysis and interpret and succinctly and clearly explain the outputs of this analysis.
• Demonstrate a good understanding of banking and global markets related products and the associated inherent credit risks.
• Manage credit limits, new requests and annual credit limits associated within an assigned portfolio of counter parties.
• Monitor and action compliance to approved facilities i.e. covenants, excess etc.
• Update relevant credit systems and assist with monitoring requirements and exception reporting.
• Communicate effectively both verbally and in writing.
• Establish and service relationships with business partners to improve the effective and efficient execution of credit objectives in line with business requirements.
• Interact with and confidently present credit applications and analysis to credit executives, credit committees and other credit forums.
• Work well individually as well as within a team.
• Assist with credit application reviews and inputs.
• Deal with conflicting views in a constructive manner.

• Have a B Com (Hons), CA(SA), CFA or similar qualification.
• Preferably have 3 to 5 years’ experience in Non‑Bank Financial Institutions credit or similar credit experience.
• Have previous experience interacting with business, credit committees and clients.
• Have solid experience in banking and financial markets.
• Are able to work under pressure with tight deadlines.
• Deal with complexity but can extract the key credit risk issues and concepts and explain these in a simple and clear manner.
• Are proactive and take ownership and accountability of assigned responsibilities.
• Can work well individually as well as in a team.

• Opportunities to network and collaborate
• Challenging working
• Opportunities to innovate

• Curious & courageous - you're driven by always wanting to know more and learn more and you're brave enough to
• Obsessed with mastery - you know what it takes to become good at what you do and are constantly pushing yourself to do it
• Love putting our clients at the forefront of what you do

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

Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below.

18/02/26

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.

Credit Analyst
• 3 Merchant Place, 1 Fredman Drive, Sandton, Johannesburg, 2196