Credit Analyst D

1 week ago


Johannesburg, South Africa FirstRand Full time

About us, purpose, experience and qualifications

**about us**:

- Take pride in what we do and our contributions to our organisation.
- In our owner-manager culture, we take responsibility and accountability for our actions and we don’t run away from our problems, but tackle them head-on.
- Are empowered to innovate and come up with new ideas, as we value and nurture new ideas.
- Embrace the concept of Ubuntu with our understanding of the communities in which we operate. We have unity of purpose where the whole is greater than the part; therefore, no individual or department can function at the expense of another.
- Respect the feelings, rights and abilities of our colleagues, clients and communities, even though they may be different from our own. We respect ourselves and our colleagues by not accepting or delivering average or poor performance. If the FNB values are congruent with your value set, and you have the necessary skills and competencies for the position advertised, then we are looking for you. All appointments will be made in line with the Bank’s EE Strategy.

**purpose**:
Analyse credit data to estimate degree of risk in extending credit or lending money; Consults with management to assist in corporate planning.

**experience and qualifications**:

- Degree or Diploma in credit preferable.
- 3 Years related experience.
- **additional requirements**:
**responsibilities**:

- 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
- 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
- Ensure average approval turnaround time against target to ensure retention of clients.
- 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


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