Credit Analyst - RCS (Cape Town)Apply
Locations: Cape Town
Time Type: Full time
Posted on: Posted 3 Days Ago
Job Requisition ID: R19670
Job DescriptionHello Future Credit Analyst,
Welcome to RMB, 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.
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, it's the magic of our people and culture that sets us apart.
Now, is the time to imagine your next move with South Africa's 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.
Key Responsibilities:Unpack and critically think about the risk of new and existing deals for clients across a broad range of geographies and industries, which includes:
Engaging with the client,Interrogating a client's 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 client's 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 bank's risk framework,Putting forward a deal for recommendation after objectively assessing all the facts.Prepare and present the risk to risk executives in a committee sitting which involves:
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.Stakeholder and relationship management, which includes:
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,Conflict management.Key Characteristics:Strong work ethic with a self-starter attitude and a keenness to take ownership of the role's 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.Minimum Requirements:Ideally CA (SA) or CFA with relevant credit analyst experience within Investment Banking.
Job Details:Application Closing Date: 04/09/24
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.
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