Relationship Analyst

RMB; South Africa; On-site; ZAR 420,000 - 660,000; Full time

Job summary

RMB, a FirstRand Group company in South Africa, is seeking a Relationship Analyst to conduct in-depth credit analysis and evaluate risk in lending decisions. You will provide insights that support responsible financial solutions and sound risk management aligned with client strategies.

You will analyse credit data, prepare credit proposals, and ensure governance and data management controls are followed. Strong analytical ability, financial acumen, and customer service mindset are essential.

Qualifications

• Bachelor degree required.
• 3–5 years banking experience preferred.
• Credit industry knowledge and NCA awareness.

Responsibilities

• Analyse credit data to estimate degree of risk in extending credit or lending money.
• Prepare credit proposals for review by the Credit Product House.
• Ensure governance and audit compliance in line with procedures.
• Maintain data management and ensure expired limits are addressed.
• Strengthen client relationships and maximise cross-sell opportunities.

Skills

Analytical

Financial acumen

Attention to detail

Technology savvy

Customer service

Interpret financial statements

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.

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.