Credit Analyst: Real Estate

Wesbank; India; On-site; INR 900,000 - 1,500,000; Full time

Job summary

WesBank is seeking a Credit Analyst to assess debt and equity deals, build financial models, and engage with clients across diverse geographies and sectors. You will contribute to risk assessments and deal structuring under FirstRand Group guidelines.

The role requires CA (SA) with 2–3 years of credit experience; real estate exposure is a plus. You will interact with deal teams, committees, and risk executives to drive optimal outcomes.

Qualifications

• CA (SA) with 2–3 years credit analyst experience.
• Experience in real estate is beneficial.
• Strong work ethic with ownership mindset.

Responsibilities

• Unpack and assess risks in debt and equity deals across geographies and industries.
• Engage with clients and build financial models to forecast performance.
• Present deals to committees and influence outcomes with stakeholders.

Skills

Credit analysis

Financial modeling

Stakeholder engagement

Report writing

Risk assessment

Verbal communication

Education

CA (SA)

Tools

Excel

Job description

Job Description Hello Future Credit Analyst, 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 2023, where you can embrace the power of collective thinking to unlock unique opportunities for our clients and society.

Are You Someone Who Can:

• Unpack and critically think about the risk of new and existing debt and equity deals for clients across a broad range of geographies and industries
• Engaging with the client
• Interrogating a client’s business model and identifying risks
• Assessing financial data put forward by the client
• Building a financial model to forecast performance or assessing a model put forward by the client or the client’s advisors for accuracy and appropriateness
• Working alongside the deal to structure a deal in line with the risk philosophy of the bank
• Assessing and managing overall limits for a client in line with the bank’s risk framework
• Putting forward a deal for recommendation after objectively assessing all the facts.
• Taking ownership of the application which requires strong report writing skills
• Managing the timelines of a deal in line with the agreed-upon submission deadline, and
• Presenting a deal at committee and working together with the deal team to take questions and answers which require strong verbal skills, the ability to debate and manage differing views and ultimately influence and negotiate a good outcome for both the client and the bank.
• Building and maintaining professional working relationships with all stakeholders, which includes working alongside experienced business and risk executives and acting as a bridge
• Adaptation of communication styles to meet the needs of different audiences, and Conflict management

You Will Be An Ideal Candidate If You:

• Are ideally CA (SA) with at least 2-3 years relevant credit analyst experience.
• Experience within Real Estate is beneficial
• Strong work ethic with a self-starter attitude and a keenness to take ownership of the role’s opportunities and personal development

You Will Have Access To:

• Opportunities to network and collaborate
• Challenging Working Opportunities to innovate

All appointments will be made in line with FirstRand Group’s Employment Equity plan.

The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.

FirstRand provides a comprehensive range of financial services in South Africa and certain markets in broader Africa. The group also offers certain niche products and services in the UK and India.

Listed on the Johannesburg Stock Exchange (JSE) and the Namibian Stock Exchange (NSX), FirstRand Limited is the largest financial institution by market capitalisation in Africa. The group follows a multi-branding approach. Its portfolio of financial services businesses includes FNB, RMB, WesBank, Ashburton Investments, Aldermore, MotoNovo and DirectAxis. Many are leaders in their respective segments and markets, offering transactional, lending, investment and insurance products and services The FirstRand Corporate Centre houses many of the critical functions required by a large and complex financial services group. The group’s track record of delivering superior returns to shareholders has been achieved through a combination of organic growth, acquisitions, innovation and the creation of completely new businesses. The group’s purpose of delivering Shared Prosperity provides many opportunities for employees to innovate to address social and environmental challenges in our markets. All of our businesses have successful Volunteering programmes which also allow employees to adopt and support causes close to their hearts.