Credit Analyst: RCS (Based in Cape Town)

FirstRand Limited; Cape Town; On-site; ZAR 420,000 - 600,000; Full time

Job summary

FirstRand Limited in Cape Town is seeking a Credit Analyst (CA SA) to assess debt and equity deals, engage clients, and build financial models. You will work across geographies, structure deals, and present recommendations with strong report writing skills.

2–4 years in investment banking, resilience, and communication abilities are essential as you partner with risk executives and deal teams to deliver robust outcomes.

Qualifications

• Qualified CA (SA) with 2–4 years experience in investment banking.
• Strong report writing and presentation skills to committees.
• Ability to assess debt/equity deals across geographies.

Responsibilities

• Unpack and critically assess risk of debt and equity deals.
• Engage with clients and interrogate business models for risks.
• Assess financial data provided by clients and advisors.
• Build/assess financial models and forecast performance.
• Structure deals in line with risk philosophy and limits.
• Provide clear recommendations and own submission timelines.
• Present deals at committee and respond to questions.
• Maintain relationships with stakeholders across risk and business.

Skills

CA (SA)

Credit analysis

Financial modelling

Risk management

Client engagement

Education

CA (SA) qualification

Tools

Excel

Bloomberg

Job description

## Credit Analyst: RCS (Based in Cape Town)Apply: Johannesburg: Full time: Posted Today: End Date: October 7, 2026 (8 days left to apply): R53143# **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 - o Engaging with the client, - o Interrogating a client’s business model and identifying risks, - o Assessing financial data put forward by the client, - o 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, - o Working alongside the deal to structure a deal in line with the risk philosophy of the bank, - o Assessing and managing overall limits for a client in line with the bank’s risk framework - o Putting forward a deal for recommendation after objectively assessing all the facts. - o Taking ownership of the application which requires strong report writing skills, - o Managing the timelines of a deal in line with the agreed-upon submission deadline, and - o 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. - o Building and maintaining professional working relationships with all stakeholders, which includes working alongside experienced business and risk executives and acting as a bridge, - o Adaptation of communication styles to meet the needs of different audiences, and - o Conflict management.**You Will Be An Ideal Candidate If You:*** + - A CA (SA), with 2-4 years relevent experience, ideally within Investment Banking - Strong work ethic with a self-starter attitude and a keenness to take ownership of the role’s opportunities and personal development - Resilience and an openness to receiving and sharing feedback,**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**Are you interested to take the step? We look forward to engaging with you further. Apply now!**#Post#RMB#LI-JB5# # **Important Closing Date Note**# **Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below.**07/10/26All 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.