Credit Analyst (OCM/Retail Focus) at FNB South Africa

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

End Date: July 10, 2025