Credit Analyst: Real Estate

FirstRand Bank Limited; Sandton; On-site; ZAR 900,000 - 1,300,000; Full time

Benefits offered by this job

Networking opportunities

Challenging work to innovate

Job summary

FirstRand Bank Limited in South Africa seeks a candidate who can unpack and critically assess risk in debt and equity deals for clients across geographies. You will interrogate client models, build or assess financial forecasts, and structure deals in line with the bank's risk philosophy.

Ideal candidate is CA(SA) with 2–3 years credit analyst experience; real estate exposure is beneficial. You will present deals to committees, manage timelines, write reports, and build strong relationships with

Qualifications

• CA(SA) with 2-3 years of credit analyst experience.
• Real estate experience is beneficial.
• Strong work ethic and ownership mindset.

Responsibilities

• Unpack and critically assess risk of debt and equity deals for clients across geographies.
• Interrogate client business models and identify risks.
• Assess and build financial models for forecasting and validation.
• Structure deals in line with the bank's risk philosophy.
• Present deals at committee and manage Q&A to influence outcomes.
• Manage timelines and produce strong report writing for submissions.
• Build and maintain stakeholder relationships across teams.

Skills

Credit analysis

Financial modeling

Report writing

Verbal communication

Stakeholder management

Negotiation

Education

CA (SA)

Job description

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

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.

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.

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.