Senior Corporate Credit Analyst

Job Description

The essence of this role is to strengthen the credit department and its processes and enhance corporate velocity. The Senior Credit Analyst will be responsible for a portfolio of Corporate Clients and Trade/Commodity Finance exposures, typically across all major industries of focus for RMB Nigeria. He/she will assist the HOC in the day-to-day running of the department and execution of the RMB credit philosophy, as well as take on the responsibility for the development of other Credit Analysts in the team.

Responsibilities:

The successful candidate will have the following responsibilities:

• A good understanding of RMB's credit philosophy and processes
• A strong understanding of the Bank's credit risk appetite, credit grading, and credit pricing models
• A good understanding of the respective businesses of counterparties operating in the various industries of interest to RMB Nigeria
• Identify transaction-specific risks, including structure, credit, taxation, accounting, currency, and legal
• Introduce risk-mitigating measures as input to structure transactions in line with the risk philosophy of FirstRand Bank
• Keeping up to date with news and events that might affect the Bank, various industries, as well as individual counterparties and portfolios of focus for RMB Nigeria
• Keeping up to date with trends in the lending environment, particularly as they relate to corporate lending
• A general understanding of trends in the global lending market to provide input into the bank-wide lending policy development process
• Assisting with credit portfolio management and monitoring, including day-to-day administration, portfolio reporting (monthly & quarterly), and implementing collection strategies as may be required
• Review and provide input in terms of the credit reports of other Analysts before the final submission to Credit Committees
• Assist HOC with the generation and presentation of Board and Executive Management reports
• Assist with strategic decision-making and management for the credit team as a whole
• Assist with Credit input into the annual ICAAP exercise

Qualifications and Experience:

The ideal candidate must have:

• An undergraduate degree in a relevant discipline
• At least 10 years of relevant working experience within a core credit (lending or consulting) environment
• Prior experience in Credit (preferably as a Financial/Credit Analyst or within a Credit Rating Agency) will be an added advantage
• A relevant professional qualification (ICAN, ACCA, CFA, etc) or a graduate degree will be an added advantage

Competency and General Skills:

Technical Skills:

• General knowledge of practical economics relating to business, industry, and the Nigerian macroeconomic environment
• Good understanding of financial instruments and banking products
• Good understanding of the BCBS requirements as relate to lending and credit
• High level of numeracy, and a strong ability to interrogate data
• Proficient in the use of spreadsheets, databases, and word-processing applications
• Strong communication, writing, and presentation skills, with an ability to debate issues effectively, and
• convincingly
• Ability to analyze company financial statements and assess financial instruments
• Must possess good leadership and strong interpersonal skills

Key Competencies:

• Result-oriented and driven - A self-starter who produces a consistently high quality of output within agreed deadlines. Prompt and proactive in driving for results and must have a problem-solving aptitude.
• Creative / Innovative - Must possess the ability to identify and initiate more efficient ways of doing things
• Detail - Must possess a strong level of attention to detail and be well organized.
• Must also possess the ability to process and work with large volumes of data.
• Good communication skills - Must possess the ability to communicate and debate views effectively, constructively, and convincingly using verbal and non-verbal means.
• Relationship-building capability - Must possess the ability to put people at ease and build sound relationships based on mutual trust and openness.
• Strong character & integrity are paramount
• Self-confidence with a pleasant personality and well-presented
• Well organized / good time management capabilities / disciplined / detail detail-oriented
• A good communicator (i.e. verbal and written) who is deadline and solutions driven
• Self-starter able to work with minimal supervision
• Strong work ethic and ability to operate in a fast-growing environment
• Flexible when necessary and able to work effectively under pressure
• Team-oriented

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.

17/12/25

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.