Job Description

To assist the deal makers with financial, market and risk analysis in the preparation of Credit applications for approval by the relevant credit structures.

Hello Future Credit 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 team in FNB Commercial Sales & Service (Willowbridge), 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.

The Ideal candidate must have the following exposure:

Develop and maintain a comprehensive understanding of the economic environment,

business risks and financial reports with the ability to grow credit business opportunities

Asses credit risk, structure deals and prepare presentation for Credit Committee

Build working relationships across teams and functional lines to enhance work delivery,

collaboration and innovation

Identify and implement on opportunities for revenue growth to deliver on sales targets

Analyse credit information to estimate degree of risk in extending credit and financing to clients

Identify transaction specific risks including credit, taxation, accounting and legal

Introduce risk mitigating measures as input to structure transactions in line with the risk philosophy

Achieve year on year Total Revenue, Relationship and Balance Sheet Growth as per the New Business targets

Deliver exceptional Credit service that exceeds customers' expectations through proactive, innovative and appropriate solutions

Assist internal sales partners with credit decisions and application of the credit policy. Build and maintain relationships with internal business partners

Maintenance of expert knowledge on relevant legislative amendments, industry best practices and provision of proactive advice and solutions to relevant stakeholders

Responsible for maximizing cross sell opportunities through credit assessment and client portfolio analysis

Ensure average approval turnaround time against target to ensure retention of clients.

Comply with governance in terms of legislative and audit requirements

Manage personal development to increase own skills and competencies of the Bank

Preferred Qualification & Exposure:

The role needs someone that has strong financial skills coupled with strong industry specific knowledge (Agric Area)

Banking experience within Agric environment preferable

CA (SA) or Degree in Accounting essential, preferably at Honors level.  Finance related NQF level 7 qualification

Years related experience

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:

Adaptable and curious

Sales driven

Thrive in a collaborative environment

Client-centric

Apply now if you are interested in taking the next step. We look forward to engaging with you!

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.

05/02/25

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.