Credit Analyst : Sovereign Credit Risk

Spane4All; Johannesburg; On-site; ZAR 600 000 - 800 000; Full time

Job summary

A leading financial services provider in Johannesburg is seeking an experienced Credit Analyst to evaluate the risk of debt and equity deals. The role requires strong critical thinking, financial modeling skills, and the ability to engage with clients effectively. Candidates should have at least 3 years of experience in Country Credit Risk and a degree in Economics. This is an exciting opportunity to join a dynamic team focused on innovation and client satisfaction.

Benefits

Networking opportunities

Challenging work environment

Innovative culture

Qualifications

• Minimum 3 years' experience in Country Credit Risk.
• Ability to manage multiple deals at once.
• Resilience and openness to feedback.

Responsibilities

• Assess and manage risks of new and existing debt and equity deals.
• Build and validate financial models.
• Engage and communicate with clients effectively.

Skills

Critical thinking

Client engagement

Financial modeling

Report writing

Verbal communication

Conflict management

Education

Degree in Economics

Job description

Credit Analyst – Sovereign Credit Risk

Location: Johannesburg – Full time – Posted Today – End Date: November 7.

About the role

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 where you can embrace the power of collective thinking to unlock unique opportunities for our clients and society.

Responsibilities

• 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 requiring strong report writing skills


• Managing the timelines of a deal in line with the agreed‑upon submission deadline


• 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, including working alongside experienced business and risk executives and acting as a bridge


• Adapting communication styles to meet the needs of different audiences


• Conflict management

Ideal Candidate

• Preferably a minimum 3 years' experience in Country Credit Risk


• Degree in Economics would be preferable


• Resilience and an openness to receiving and sharing feedback


• Ability to handle stress well, which includes self‑management of workload (2 to 3+ deals at any point in time), quick adaptation to deal changes, prioritization of deals, and open communication on capacity


• Curious & courageous – driven by always wanting to know more and learn more and being brave enough


• Obsessed with mastery – constantly pushing yourself to become good at what you do

Opportunities

• Opportunities to network and collaborate


• Challenging work


• Opportunities to innovate

Job Details

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 / 11 / 25. All appointments will be made in line with FirstRand Group's Employment Equity plan.

Equal Opportunity Statement

The Bank supports the recruitment and advancement of individuals with disabilities. Candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless required by law to disclose it to other parties.