Credit Analyst (OCM/Retail Focus)

Job Description Analyses credit data to estimate degree of risk in extending credit or lending money

Consults with management to assist in corporate planning

• Deliver exceptional Customer service that exceeds customers' expectations through proactive, innovative and appropriate solutions.
• 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
• Comply with governance in terms of legislative and audit requirements.
• Manage personal development to increase own skills and competencies.
• Conduct a comprehensive financial analysis of client data to understand credit exposure and liability, conduct cash flow modelling, sensitivity analysis and other investigations as necessary.
• Analyse financial statements/ cashflows and personal balance to estimate degree of ongoing risk management of portfolios.
• Collaborate closely with key stakeholders and those who hold business relationships with clients to gain an intimate knowledge of the clients' business, environment, and the industry they compete in.
• Assisting more junior team members on aspects of client credit reviews, assisting them in identifying risks, and providing expertise and guidance.
• Develop and maintain strong business relationships with clients for the purpose of gathering relevant information and undertaking analyses.
• Display and encourage an appreciation of teamwork and inclusivity.
• Ensure compliance with relevant statutory, legislative, policy and governance requirements in area of accountability.
• Manage inbound and outbound calls on the dialler.
• Be able to work independently with minimum supervision.
• Achieve early collection targets set by the business unit.
• Knowledge in managing and collecting on accounts in excess and with loan arrears.

Qualifications and Experience

• Bachelor Commerce or Relevant 3 year Tertiary Qualification (Credit /Finance)
• 4-5 years Credit Experience (Please note this is not judgmental)
• Financial Industry Experience is advantageous
• Hogan system Experience

Job Details Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below 10/07/25 All appointments will be made in line with FirstRand 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.