Job Description To gather, analyse and draw insights from client financial information pertaining to credit risk. To undertake key research of client business, industries, and legislation to derive insights from credit analyses. Conduct a comprehensive financial analysis of client data to understand credit exposure and liability; conduct cash flow modelling, sensitivity analysis and other investigations as necessary. Collaborate closely with key stakeholders and those who hold business relationships with clients to gain an intimate knowledge of the clients' business, environment, and the industry they compete in. Assess a wide range of credit structures and propose solutions to challenges. Engage in scenario analysis and stress-testing to evaluate potential and actual risks. Present findings and insights to line management and/or the credit committee, and provide recommendations where required. Remain keenly abreast of industry and legislative developments and the impact thereof on portfolios. Advise more junior team members on aspects of client credit reviews, assisting them in identifying risks, and providing expertise and guidance. Develop and maintain strong business relationships with clients for the purpose of gathering relevant information and undertaking analyses. Display and encourage an appreciation of teamwork and inclusivity. Develop, encourage and nurture collaborative relationships across area of specialisation. Ensure compliance with relevant statutory, legislative, policy and governance requirements in area of accountability. Review existing processes and suggest innovative ideas to improve and streamline processes to drive efficiencies and minimise redundancy. Accumulate information to review work progress that provides input to reporting, decision making and the identification of improvement opportunities. Build relationships that allow for the managing of expectations, the sharing of knowledge and diverse insights, and the creation of buy-in. 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. 31/10/26 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. Introduce yourself to our recruiters and we will get in touch if there's a role that seems like a good match. Should you have any queries, please log it via MyQ. 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.

Credit Analyst.

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