Credit Analyst: Alternative Lending

Job Description

Hello Future Credit Analyst,

RMB is a place where exceptional people create their own opportunities by challenging the conventional and driving sustainable impact.

United by our proud heritage, strong ethics and philosophy of Traditional values. Innovative ideas, its the magic of our people and culture that sets us apart.

Now, is the time to imagine your next move with South Africas number one employer in Financial Services for 2023, where you can embrace the power of collective thinking to unlock unique opportunities for our clients and society.

Are You Someone Who Can

• Unpack and critically think about the risk of new and existing debt and equity deals for clients across a broad range of geographies and industries
• Engaging with the client,
• Interrogating a clients business model and identifying risks,
• Assessing financial data put forward by the client,
• Building a financial model to forecast performance or assessing a model put forward by the client or the clients advisors for accuracy and appropriateness,
• Working alongside the deal to structure a deal in line with the risk philosophy of the bank,
• Assessing and managing overall limits for a client in line with the banks risk framework
• Putting forward a deal for recommendation after objectively assessing all the facts.
• Taking ownership of the application which requires strong report writing skills,
• Managing the timelines of a deal in line with the agreed-upon submission deadline
• Presenting a deal at committee and working together with the deal team to take questions and answers which require strong verbal skills, the ability to debate and manage differing views and ultimately influence and negotiate a good outcome for both the client and the bank.
• Building and maintaining professional working relationships with all stakeholders, which includes working alongside experienced business and risk executives and acting as a bridge,
• Adaptation of communication styles to meet the needs of different audiences, and
• Conflict management.

You Will Be An Ideal Candidate If You

• Are ideally CA (SA) or CFA with relevant credit analyst experience within Investment Banking, although a newly qualified CA (SA) or a graduate whose degree has a strong quantitative focus will be considered
• Strong work ethic with a self-starter attitude and a keenness to take ownership of the roles opportunities and personal development
• Resilience and an openness to receiving and sharing feedback,
• Ability to handle stress well, which includes self-management of workload (2 to 3+ deals at any point in time), quick adaptation to deal changes, prioritization of deals, and open communication on capacity.

You Will Have Access To

• Opportunities to network and collaborate
• Challenging Working
• Opportunities to innovate

We Can Be a Match If You Are

• Curious & courageous - you're driven by always wanting to know more and learn more and you're brave enough to
• Obsessed with mastery - you know what it takes to become good at what you do and are constantly pushing yourself to do it

Are you interested to take the step? We look forward to engaging with you further. Apply now!

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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.

22/04/25

All appointments will be made in line with FirstRand Groups 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.