Relationship Analyst

firstrand; Ladybrand; On-site; ZAR 350,000 - 520,000; Full time

Job summary

FirstRand invites you to join as a Relationship Analyst in South Africa, where you will analyse credit data to assess risk and support informed lending decisions within a client relationship framework.

You will contribute to customer experience, cross-sell opportunities, governance, and data integrity, while preparing credit proposals for review and ensuring compliance with the NCA and internal Golden Rules.

Qualifications

• Bachelor of Commerce or Business Banking Degree (NCA check may apply).
• 3–5 years banking experience required.
• Credit record check may be required under the National Credit Act (NCA).

Responsibilities

• Analyse credit data to estimate degree of risk in extending credit or lending money for client relationships.
• Deliver exceptional customer experience in line with Balanced Scorecard standards.
• Prepare credit proposals for review by the Credit Product House and ensure governance compliance.
• Ensure effective data management and address expired limits against targets.
• Comply with the Golden Rules and related procedures and processes.

Skills

Credit analysis

Risk assessment

Customer service

Data management

Education

Bachelor of Commerce or Business Banking Degree

Job description

Job Description

To support the business by conducting in-depth credit analysis credit analysis to evaluate risks associated with lending decisions. Provide insights that enable informed, responsible financial solutions aligned with the broader client relationship strategy, ensuring sound risk management and sustainable growth.

Hello Future Relationship Analyst

Welcome to FNB, the home of the #changeables. We design for the shapeshifters and deliver products and services that make us incredibly proud of people that make it happen.

As part of our talent team, you will be surrounded by unique talents, diverse minds, and an adaptable environment that lives up to the promise of staying curious. Now's the time to imagine your potential in a team where experts come together and ignite effective change.

Are you someone who can:

• Analyse credit data to estimate degree of risk in extending credit or lending money in support of a broader client relationship
• Achieve the delivery of exceptional customer experience against the Balanced Scorecard standards
• Maximise Business Portfolio cross sell opportunities and strengthen client relationships
• Comply with governance in terms of legislative and audit requirements
• Ensure effective Data Management by ensuring expired limits are attended to against set target
• Prepare credit proposals for review by the Credit Product House
• Compliance with procedures and processes contained in the Golden Rules

You will be an ideal candidate if you:

• Bachelor of Commerce or Business Banking Degree
• 3-5 years banking experience
• In accordance with National Credit Act (NCA) candidates applying for this role will require a credit record check

You will have access to:

• Opportunities to network and collaborate
• A challenging working environment
• Opportunities to innovate

We can be a match if you are:

• Analytical
• Financial acumen
• Attention to detail
• Technology savvy
• Ability to deal with customers (problem solving/ customer service)
• Ability to interpret financial statements

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.