Credit Analyst: RCS

3 weeks ago

Johannesburg, Gauteng, South Africa Rand Merchant Bank Full time
Job title : Credit Analyst: RCSJob Location : Gauteng, JohannesburgDeadline : April 03, 2025Quick Recommended Links
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Job Description
Hello Future Credit Analyst,

  • 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:

  • Unpack and critically think about the risk of new and existing debt and equity deals for clients across a broad range of geographies and industries
  • Engaging with the client,
  • Interrogating a client's business model and identifying risks, 
  • Assessing financial data put forward by the client, 
  • Building a financial model to forecast performance or assessing a model put forward by the client or the client's advisors for accuracy and appropriateness, 
  • Working alongside the deal to structure a deal in line with the risk philosophy of the bank,
  • Assessing and managing overall limits for a client in line with the bank's risk framework
  • Putting forward a deal for recommendation after objectively assessing all the facts. 
  • Taking ownership of the application which requires strong report writing skills,
  • Managing the timelines of a deal in line with the agreed-upon submission deadline, and
  • Presenting a deal at committee and working together with the deal team to take questions and answers which require strong verbal skills, the ability to debate and manage differing views and ultimately influence and negotiate a good outcome for both the client and the bank. 
  • Building and maintaining professional working relationships with all stakeholders, which includes working alongside experienced business and risk executives and acting as a bridge,
  • Adaptation of communication styles to meet the needs of different audiences, and

You Will Be An Ideal Candidate If You:

  • Are ideally CA (SA) or CFA with relevant credit analyst experience within Investment Banking, although a newly qualified CA (SA) or a graduate whose degree has a strong quantitative focus will be considered
  • 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,
  • Ability to handle stress well, which includes self-management of workload (2 to 3+ deals at any point in time), quick adaptation to deal changes, prioritization of deals, and open communication on capacity. 

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
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