Credit Associate: TMT

Hello Future Credit Associate,

RMB is a place where exceptional people create their own opportunities by challenging the conventional and driving sustainable impact.

United by our proud heritage, strong ethics and philosophy of Traditional values. Innovative ideas, it’s the magic of our people and culture that sets us apart.

Now, is the time to imagine your next move with South Africa’s number one employer in Financial Services for 2023, where you can embrace the power of collective thinking to unlock unique opportunities for our clients and society.

Are You Someone Who Can

• Manage the planning, execution and governance for new and annual credit reviews/ratings and deal transactions.
• Review and quality control submissions by Credit Analysts or more junior team members to the relevant investment committees.
• Assess new transactions where Credit risk is undertaken.
• Engage with deal teams on complex deal transactions around structure, covenants, and pricing.
• Interact with relevant Legal counterparts to ensure that Legal agreements are concluded for all transactions where credit risk is taken.
• Review of exposure limits, ratings, and systems for Credit exposures.
• Ensure team compliance with the bank’s credit risk framework, loss given default (LGD) models and prudential limit guidelines.
• Work closely with the Head of Credit Research in the management and reporting of breaches in terms of concentrations and risk limits.
• Attend, interact, and provide input at relevant forums and committees related to Credit Risk.
• Participate as a voting member on the assigned credit committee.
• Recommend practices to optimise credit processes and “ways of working”.
• Provide key stakeholders with pro-active research insights into trends, market risk appetite, issues, threats, and opportunities in all credit portfolios.
• Share insights across the Ashburton business and risk cluster in respect of counterparties where Credit exposure is taken.
• Partner with business clusters to maintain credit losses, profitability and other credit risk exposures.
• Work in collaboration with Portfolio Managers, to ensure alignment in thinking about credit exposures.
• Provide insight and optimise problem management processes with risk prone investments on the surveillance and watchlist.
• Facilitate the understanding for the suitability of instruments for specific portfolios in accordance with their mandates.
• Propose strategies for managing identified risks in credit.
• Ensure the analysis, identification and mitigation of counterparty exposures and mitigations through detailed knowledge of environmental factors.
• Maintain a detailed knowledge of critical key macro environmental impacts and inter-relationships e.g., jurisdictional compliance, sector developments, regulations, financial markets, and country risk.
• Understand and apply/translate the critical micro-environmental impacts and relationships e.g., company performance trends, financial data, debt profile, gearing, projected cash flows, and operations.
• Manage credit risk metrics that are identified via risk dashboards and reporting.
• Provide technical support in the implementation of a credit limit monitoring system with Risk and Operations.

You Will Be An Ideal Candidate If You

• Are ideally CA (SA) or CFA with approximately 3-5 years credit analyst experience within Investment Banking / Financial Services.
• Strong work ethic with a self-starter attitude and a keenness to take ownership of the role’s opportunities and personal development
• Resilience and an openness to receiving and sharing feedback,

You Will Have Access To

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

We Can Be a Match If You Are

• 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

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

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Important Closing Date Note

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

06/08/26

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.