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Credit Analyst

Vacancy Details

Reference No.



One of the largest banking and financial services organisations in the world is searching a Credit Analyst to join their company. The Credit Analyst will assist RMs with agreed credit-related tasks pertaining to their clients’ credit life – cycle. This role also supports the CAU manager.


Key activities and decision making areas

  • Ensure relationships among the Credit Analysis Unit, Client Management, Credit Risk, and RMs are strategically forward looking, highly collaborative and productively engaged towards mutual business outcomes
  • Provide the highest quality, forward looking and professional Credit analysis and Credit-associated tasks  to CMB and GBM for the specific country’s portfolios and new business transactions which either meets or exceeds the company standards and is at all times

 Leadership and Teamwork

  • Provide clear and thoroughly considered guidance to the RMs and other teams connected to credit work as required or relevant
  • To ensure any revision to operating practices or processes is appropriately agreed by all stakeholders and communicated effectively to avoid the risk of any misinterpretation
  • Ensuring a consistently high standard of finished product is achieved and stakeholder expectations are exceeded
  • Support regulatory and business management initiatives where Credit Analysis Unit-specific expertise is required
  • Support recommendations for the evolution of Credit Analysis Unit within BMO

 Operational Effectiveness and Control

  • Provide clear and considered Credit risk guidance to the RM teams and other key stakeholders
  • Provide the highest quality, forward looking and professional Credit Analysis and support for Credit-related tasks (as agreed) to GB RMs in the your country in line with broader geographic strategies as agreed from time to time including (but not limited to)
  • Close engagement and collaboration with in-country RMs to ensure client intelligence is shared with CAU with a view to more comprehensive credit submissions;
  • Thorough analysis of GBM client financials, operating information, industry and market data to produced well-considered proposals including risks and mitigants and analysis recommendation to support (i) new on–boarding, (ii) new money requests and (iii) annual credit reviews
  • Consistent application of standards as laid down in the DIM / PLA, ensuring required quality standards are constantly met (including adherence to credit renewal timelines and KPIs)
  • Understand, follow and demonstrate compliance with all relevant internal and external rules, regulations and procedures that apply to the conduct of the business in which you are involved, specifically Internal Controls and any Compliance Policy including, inter alia, the Group Compliance policy

 Major Challenges

  • Credit policy and procedures
  • Credit Analysis Unit established Roles and Responsibilities and Desk Procedures
  • Ensure compliance with Credit Analysis Unit annual review timelines
  • Ensure compliance with Credit Analysis Unit budgets and controls
  • Successful audits of businesses and geographies supported
  • Recommending streamlining to existing procedures to ensure a more efficient credit risk process (end to end)
  • Look for innovation and new ideas to improve the process flow and add value to the business
  • Encourage the team to generate new ideas through team discussions, thereby achieving high level of engagement by each individual in the team

 Role Context

  • The Credit Analyst, Credit Analysis Unit will have a range of functional responsibilities including provision of credit analysis, facility applications, and associated credit–related tasks in a specific country
  • Contribute to periodic or ad hoc Management Information reports for Credit Analysis Unit as required
  • Assist with credit related issues and queries
  • Assist line manager in identifying process improvements in the area of responsibility to minimize costs and operational risks
  • Quality industry and macro-economic research and analysis
  • Management of Risk (Operational Risk / FIM requirements)
  • Maintain awareness of operational risk and minimise the likelihood of it occurring including its identification, assessment, mitigation and control, loss identification and reporting in accordance with section 4 of the Group Operations FIM



Knowledge and Experience / Qualifications  

  • Relevant Bachelor of Commerce (Hon) Degree, with a minimum of an undergraduate degree
  • 2-5 years of finance / credit/accounting experience with strong financial analytical skill, or a minimum of 5 years of banking experience required, with 3 years within a credit risk discipline strongly preferred
  • Must have exceptional credit writing and communication skills
  • Must be able to articulate the necessary message to stakeholders
  • Excellent analysis and problem solving skills
  • Good knowledge of banking products ie. Credit / treasury products, including general terms, conditions and inherent structural risks
  • General knowledge of legal documentation and wording and implications thereto
  • Must have good computer skills and be highly proficient in the use of MS Office tools, e.g. Excel
  • Understanding of credit policies, processes and systems (for internal candidates)
  • Conversant with the nature of complex / structured finance transactions, including i) Project and Export Finance, ii) Structured Trade Finance, iii) Highly Leveraged Transactions and iv) Asset Backed Lending is desirable







Position Type


Work Level



700000.00 - 750000.00


Banking/Finance And Investment

Salary Type



Cost To Company

Affirmative Action


Geographic Location

Gauteng - JHB North