Credit Analyst: Real Estate

RMB - Rand Merchant Bank; Johannesburg; On-site; ZAR 350,000 - 550,000; Full time

Job summary

RMB - Rand Merchant Bank in Johannesburg is seeking a diligent Credit Analyst to evaluate risk on debt and equity deals across geographies. You will engage with clients, analyze financial data, and build forecasting models to support deal structuring in line with the bank's risk philosophy.

The ideal candidate is CA(SA) with 2–3 years of credit experience; real estate exposure is a plus. You will manage deal timelines, present to committees, and communicate effectively with stakeholders to

Qualifications

• CA (SA) with 2–3 years credit analyst experience.
• Experience assessing debt and equity deals across geographies.

Responsibilities

• Unpack and critically assess risk of debt and equity deals for clients across geographies.
• Build/assess financial models to forecast client performance.
• Present deals at committee and influence negotiation outcomes.
• Own applications with strong report-writing and timely submission.
• Adapt communication to diverse stakeholders.

Skills

Credit analysis

Financial modeling

Risk assessment

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
• 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
• 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

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.

12/09/26

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.