Business Credit Analyst (Commercial Banking)

Access Bank; Johannesburg; On-site; ZAR 500,000 - 700,000; Full time

Job summary

A leading bank in Johannesburg seeks a Business Credit Analyst to provide financial risk assessments and support growth in risk assets through quality financial analysis. Candidates should have at least 5 years of experience in business banking credit extension and strong financial analysis skills. The ideal candidate will coordinate with Relationship Managers and ensure compliance with bank policies.

Qualifications

• Matric qualification with further studies, preferably a bachelor’s degree in finance, accounting, or a related field.
• At least 5 years of experience in business banking credit extension and credit analysis.
• Experience in accounting or financial services roles.

Responsibilities

• Support growth in risk assets through quality financial analysis.
• Conduct comprehensive financial risk analysis of borrower statements.
• Provide credit risk assessments tied to financial analysis.
• Collaborate with Relationship Managers to gather additional financial information.

Skills

Financial analysis

Credit risk assessment

Data input and management

Client interaction

Education

Bachelor’s degree in finance or related field

Job description

Job Title: Business Credit Analyst (Commercial Banking)

Location: Gauteng, Johannesburg

Application Deadline: August 17, 2025

Quick Links:

• Jobs by Location
• Jobs by Industry

Client Focus

Entrenchment:

• Achieve 5 converted leads for cross-sell opportunities identified from client interactions (PoE).

Borrow for Your Needs:

• Support growth in risk assets (Rand value payouts) through quality FAMs and meaningful financial analysis.

Client Experience (15%)

• Gather feedback from internal service surveys and customer ratings to assess the quality of support provided by RMs.

Financial Analysis and FAM Preparation

• Complete FAMs after loading by Operational Bankers, based on information from RM call reports.
• Coordinate with all role players to ensure adherence to TATs and approval processes.
• Conduct comprehensive financial risk analysis of statements in the facility application memorandum (FAM).
• Present analysis, findings, and recommendations regarding borrower repayment ability to managers, including risk mitigation strategies.
• Provide credit risk assessments tied to financial analysis.
• Manage client covenant adherence as part of credit approval.
• Input data into the risk rating model, ensuring DSCR calculations meet minimum requirements.
• Prepare profitability models.
• Collaborate with Relationship Managers to gather additional financial information.
• Capture financial data accurately in the risk rating model.
• Ensure correct risk grading and documentation in the FAM.
• Manage turnaround times within SLAs.
• Provide meaningful financial commentary on FAMs.

Risk and Conduct

• Adhere to applicable Access Bank policies and standards.
• Ensure AML/TF compliance.
• Complete all required compliance training.
• Monitor credit risk appetite, including credit loss ratios against budgets.

Financial Outcomes

• Track asset growth and balance sheet performance against forecasts.
• Monitor liabilities growth and related performance metrics.

Academic Requirements

• Matric qualification with further studies, preferably a bachelor’s degree in finance, accounting, or a related field.

Work Experience

• At least 5 years of experience in business banking credit extension and credit analysis.
• Experience in accounting or financial services roles.