Credit Analyst: RCS (Based in Cape Town)

FirstRand Bank Limited; Sandton; On-site; ZAR 350,000 - 550,000; Full time

Job summary

FirstRand Bank Limited in South Africa invites applications for a Credit Analyst role within RMB. You will unpack risk in debt and equity deals, build and review financial models, interrogate client data, and present findings to deal committees to influence outcomes.

The ideal candidate is a CA (SA) with 2–4 years’ relevant experience, preferably in Investment Banking, with strong communication, report writing, and stakeholder management skills.

Qualifications

• CA (SA) with 2–4 years relevant experience, ideally within Investment Banking.
• Strong report writing, analytical and financial modelling abilities.
• Resilience, ownership mindset and openness to feedback.

Responsibilities

• Unpack and assess risk of new and existing debt/equity deals.
• Engage with clients and interrogate business models for risks.
• Build and review financial models to forecast performance.
• Present deals to committees and manage timelines to deadlines.
• Maintain professional relationships with stakeholders and adapt communication.

Skills

CA (SA)

2–4 years experience

Investment Banking

Financial modelling

Stakeholder management

Education

CA (SA)

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:

• 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

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. 07/10/26

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.