Credit Analyst

4 days ago

Bellville, South Africa FirstRand Full time

Job Description

Hello Future Credit Analyst

Welcome to FNB, the home of the #changeables. We design for the shapeshifters and deliver products and services that make us incredibly proud of people that make it happen.

As part of our team in FNB Commercial Sales & Service (Willowbridge), you will be surrounded by unique talents, diverse minds, and an adaptable environment that lives up to the promise of staying curious. Now’s the time to imagine your potential in a team where experts come together and ignite effective change.- Develop and maintain a comprehensive understanding of the economic environment,- business risks and financial reports with the ability to grow credit business opportunities- Asses credit risk, structure deals and prepare presentation for Credit Committee- Build working relationships across teams and functional lines to enhance work delivery,- collaboration and innovation- Identify and implement on opportunities for revenue growth to deliver on sales targets- Analyse credit information to estimate degree of risk in extending credit and financing to clients- Identify transaction specific risks including credit, taxation, accounting and legal- Introduce risk mitigating measures as input to structure transactions in line with the risk philosophy- Achieve year on year Total Revenue, Relationship and Balance Sheet Growth as per the New Business targets- 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 maximizing 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- Manage personal development to increase own skills and competencies of the Bank

Preferred Qualification & Exposure:
- The role needs someone that has strong financial skills coupled with strong industry specific knowledge (Agric Area)- Banking experience within Agric environment preferable- CA (SA) or Degree in Accounting essential, preferably at Honors level. Finance related NQF level 7 qualification- Years related experience

You will have access to:
- Opportunities to network and collaborate- A challenging working environment- Opportunities to innovate

We can be a match if you are:
- Adaptable and curious- Sales driven- Thrive in a collaborative environment- Client-centric

Job Details

05/02/25

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