Credit Research Lead at RMB - Rand Merchant Bank

Job Description

• 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 2025, where you can embrace the power of collective thinking to unlock unique opportunities for our clients and society.

The purpose of the role is as follows:

• To conduct research and provide analysis on the financial stability of an entity to make recommendations to investors regarding credit risk.

Are you someone who can do the following:

• Analyse JSE-listed credit and formulate strategies to equip and enable clients to make informed decisions on investments 
• Provide subject matter expertise in analysing issuers across sectors (banks, corporates, SOEs and securitisation)
• Conduct extensive financial research and analysis on entities within specific sectors or industries, and collaborate with internal contacts (trading, sales, investment banking, etc.) and external clients (money managers, pension funds, hedge funds, etc.) to better evaluate the credit markets
• Perform detailed research on credit history and utilise financial and other information i.e., income information, credit history, balance sheets etc., to make a judgement on creditworthiness
• Perform investigations on financial data to evaluate the extent of credit risk posed to the organisation
• Develop and use analytics and formulas to determine a basic assessment of overall risk posed
• Provide the organisation/business unit with information pertaining to loan history or lines of credit, the timeline of repayment, available financing to cover credit etc.
• Compile reports that track progress and guide business to make informed decisions
• Build and maintain professional working relationships with all stakeholders, displaying excellent abilities to initiate dialogue, listen, advise, influence, and negotiate to achieve win-win outcomes.
• Initiate meetings with key stakeholders to track progress, manage expectations and ensure stakeholders’ requirements are delivered
• Engage in cross-functional relationships to obtain and to provide work support
• Contribute to sustaining a competitive edge through external networking, benchmarking, and representation on related forums

You will be an ideal candidate if you have:

Qualifications

• Minimum qualification: BCom Honours, B Bus Sc in a finance or accounting-related field
• Preferred qualification: CA(SA), CFA or equivalent ​

Experience and Skills

• Minimum 10 years’ experience in a listed credit market environment, or, preferably, alongside listed credit dealers/traders, with at least five years’ experience leading a team of credit analysts.  

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
• Love putting our clients at the forefront of what you do