Credit Solution Specialist

Firstrand; Gauteng; On-site; ZAR 500 000 - 700 000; Full time

Job summary

A leading financial services institution in South Africa seeks a Credit Analyst responsible for packaging large transaction deals by assessing and structuring credit applications. Applicants should have a BCom Degree and 3–5 years of credit application experience. This role involves analyzing credit information, providing high-quality applications, and enhancing customer relationships through exceptional service.

Qualifications

• 3–5 years of business/commercial credit application process experience within banking or financial services.
• Understanding or knowledge of commercial banking, e.g., Fleet/Vehicle banking.

Responsibilities

• Analyse credit information to estimate risk in extending credit and financing.
• Provide assistance in presenting to Credit Committees by ensuring high-quality credit applications.
• Deliver exceptional credit service with proactive and innovative solutions.

Skills

Financial skills

Credit skills

Education

BCom Degree or equivalent

Job description

Job Description

The purpose of this role is to package large transaction deals by assessing and structuring credit applications, mitigating risk and facilitating sound working relationships with relevant stakeholders.

Responsibilities

• Analyse credit information to estimate the degree of risk in extending credit and financing to clients, ensuring that deals are structured appropriately.
• Provide assistance to the Deal Maker in presenting to various Credit Committees by ensuring high‑quality credit applications.
• Deliver exceptional credit service that exceeds customers’ expectations through proactive, innovative and appropriate solutions.
• Develop and maintain a comprehensive understanding of the economic environment, business risks and financial reports, and relate such issues to specific business opportunities and the risk profile of individual clients.
• Ensure that service delivery is accurate, timely and of a high standard.
• Build relationships that allow for managing expectations, sharing knowledge, diverse insights and creating buy‑in.
• Engage in cross‑functional relationships to obtain and provide work support.
• Deliver customer‑experience excellence aligned to organisational values and service standards.
• Build professional long‑term relationships with customers based on trust that builds the brand.
• Collect and interrogate information and feedback to ensure full understanding of customer needs and deliver quality service.
• Deliver service that exceeds customer expectations through proactive, innovative and appropriate solution selection and application.
• Improve business decisions by providing accurate and reliable business intelligence together with analysing trends and data.
• Provide regular reports on delivery of services against agreed service level agreements and overall customer targets.
• Accumulate information to review work progress that provides input to reporting, decision‑making and the identification of improvement opportunities.
• Implement, monitor and control business processes according to quality standards, policy, compliance and governance requirements within the area of accountability.
• Ensure the development, alignment, mapping and implementation of end‑to‑end processes aligned to the customer journey map.
• Research, enable and consult on improvements and opportunities to harness technology and platform enablement.
• Review existing processes and suggest innovative ideas to improve and streamline processes, drive efficiencies and minimise redundancy.
• Monitor customer feedback reports and align processes to maximise efficiencies.
• Assess own performance against required competencies and skills.
• Identify development needs and select effective solutions to address own development needs.
• Prepare a personal development plan with management to implement and review as required.
• Monitor own progress against the development plan and measure the impact of results.
• Promote teamwork and inclusivity among team members and demonstrate behaviours that respect diversity.
• Partner and collaborate with team members to achieve team success.
• Share information and knowledge that benefits the team.

Qualifications

• Have a minimum of a BCom Degree or an equivalent qualification in Accounting, Commerce, Finance or a related field.
• Have 3–5 years of business/commercial credit application process experience within banking or financial services.
• Have strong financial and credit skills.
• Have understanding or knowledge of commercial banking, e.g., Fleet/Vehicle banking.

Job Details

Take note that applications will not be accepted on the following 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.

EEO Statement

The Bank supports the recruitment and advancement of individuals with disabilities.

For we 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 it to other parties.