Credit Analyst at RMB - Rand Merchant Bank

Job Description

• To gather, analyse and draw insights from client financial information pertaining to credit risk.
• To undertake key research of client business, industries, and legislation to derive insights from credit analyses.

Are you someone who can:

• Prepare high quality and well written credit applications including the assessment of credit risks and application of credit ratings which demonstrate:
• An understanding of the credit risks associated with underlying transactions and counterparties.
• The application of credit frameworks and methodologies in marking of credit limits.
• A sound understanding of the operating and business environment relating to non-bank financial institutions (for example insurance and reinsurance companies, asset managers, funds, exchanges, clearing houses, broker/ dealers etc.).
• An up to date understanding of the critical key macro environmental factors, impacts, and inter-relationships (e.g. industry and sector developments, regulations, financial markets, country risks etc) which are relevant to the counterparty and deal risk profile.
• Perform detailed financial analysis, forecasting and ratio analysis and interpret and succinctly and clearly explain the outputs of this analysis.
• Demonstrate a good understanding of banking and global markets related products and the associated inherent credit risks.
• Manage credit limits, new requests and annual credit limits associated within an assigned portfolio of counterparties.
• Monitor and action compliance to approved facilities i.e. covenants, excess etc.
• Update relevant credit systems and assist with monitoring requirements and exception reporting.
• Communicate effectively both verbally and in writing.
• Establish and service relationships with business partners to improve the effective and efficient execution of credit objectives in line with business requirements.
• Interact with and confidently present credit applications and analysis to credit executives, credit committees and other credit forums.
• Work well individually as well as within a team.
• Assist with credit application reviews and inputs.
• Deal with conflicting views in a constructive manner.

You will be an ideal candidate if you:  

• Have a B Com (Hons), CA(SA), CFA or similar qualification.
• Preferably have 3 to 5 years’ experience in Non-Bank Financial Institutions credit or similar credit experience.
• Have previous experience is interacting with business, credit committees and clients.
• Have solid experience in banking and financial markets.
• Are able to work under pressure with tight deadlines.
• Deal with complexity but can extract the key credit risk issues and concepts and explain these in a simple and clear manner.
• Are proactive and take ownership and accountability of assigned responsibilities.
• Can work well individually as well as in a team.

Deadline:18th February,2026