783 Risk Analysts jobs in South Africa

Credit Analyst Cape Town - Northern Suburbs A well-established player in South Africas property finance is in an exciting phase of rapid growth, and is offering an exciting opportunity in credit origination and credit risk management. The role entails: · Receiving credit applications · Performing creditworthiness and affordability procedures · Database management · Handling telephonic and e-mail queries · Loan book management · Reporting Requirements: · Credit environment experience / mortgage industry experience, min of 2 years · Demonstrated Excel ability · Proficient in English and Afrikaans Apply with your detailed and updated CV for consideration!

Overview

Credit Analyst Bellville Cape Town

Our Home Loans client seeks a Credit Analyst with Home Loans experience.

Salary: Market-related

Minimum Requirements

• Matric with relevant qualification


• 2+ years Credit Analyst experience


• Home Loan / Mortgage / Loans experience a must


• Credit environment experience


• Intermediate/Advanced Excel experience

Key duties

• Receive credit applications


• Perform creditworthiness and affordability procedures


• General application processing


• Database management


• Handle telephonic and e-mail queries regarding offerings, application status, quotations issued or any other questions regarding the products


• Loan book management – restructuring, collections management


• Reporting

Application

Please apply online

FROGG Recruitment

#J-18808-Ljbffr

Join to apply for the Credit Analyst role at ExecutivePlacements.com - The JOB Portal

1 day ago Be among the first 25 applicants

Join to apply for the Credit Analyst role at ExecutivePlacements.com - The JOB Portal

Get AI-powered advice on this job and more exclusive features.

Recruiter:

Empire Recruitment

Job Ref:

JHB /Trin

Date posted:

Friday, August 1, 2025

Location:

Johannesburg, South Africa

Salary:

Annually

SUMMARY:

Credit Analyst

Industry: Asset FinanceÂ

Are you a critical thinker with a keen eye for financial detail and risk? Our client in the asset finance space is looking for a Credit Analyst to join their high-performing credit team. This role is crucial to ensuring robust credit approval processes, effective credit management, and insightful financial analysis across both corporate and public sector transactions.

POSITION INFO:

Key Responsibilities:

• Evaluate and analyse creditworthiness of potential and existing clients
• Prepare detailed financial and credit reports for decision-making
• Review and assess asset finance transactions in line with group credit policies
• Support effective credit approval and risk mitigation strategies
• Maintain relationships with internal stakeholders and external clients
• Assist with ad hoc credit projects, audits, or strategic reviews
• Ensure timely and accurate documentation for credit processes
• Proactively manage own performance and contribute to team goals
  
  

What You Bring:

• Relevant Degree in Credit Risk Management or Accounting Qualification
• Minimum 5 years' experience in a credit environment (asset finance sector preferred)
• Strong analytical, commercial, and financial acumen
• Knowledge of credit policies, collections strategies, and funder requirements
• Proven ability to work under pressure, meet deadlines, and manage stakeholder relationships
• Proficiency in MS Office, particularly Excel
• Excellent written and verbal communication skills
  
  

Bonus Points for:

• Industry-specific experience in asset-based lending or public sector finance
• A solid understanding of internal controls, governance, and audit procedures
  
  

If you're ready to step into a strategic credit role with real impact, this is your opportunity.

ð Apply now and letâs move your career forward â together.

#CreditAnalyst #AssetFinance #RiskManagement #CreditApproval #EmpireRecruitment #BuildingYourFuture

Seniority level

• Seniority level Mid-Senior level

Employment type

• Employment type Full-time

Job function

• Job function Finance and Sales
• Industries Advertising Services

Referrals increase your chances of interviewing at ExecutivePlacements.com - The JOB Portal by 2x

Get notified about new Credit Analyst jobs in Johannesburg, Gauteng, South Africa .

Analyst: Financial Planning & Analysis (FP&A)

City of Johannesburg, Gauteng, South Africa 1 week ago

Johannesburg, Gauteng, South Africa 1 day ago

City of Johannesburg, Gauteng, South Africa 1 week ago

Deal Advisory Graduate Programme - JHB FY2026

Midrand, Gauteng, South Africa 2 weeks ago

Sandton, Gauteng, South Africa 2 weeks ago

Deal Advisory - Trainee Junior Analyst Johannesburg 2024

Johannesburg, Gauteng, South Africa 5 days ago

Johannesburg, Gauteng, South Africa 3 days ago

City of Johannesburg, Gauteng, South Africa 3 weeks ago

Johannesburg, Gauteng, South Africa 3 days ago

Johannesburg, Gauteng, South Africa 1 week ago

Johannesburg, Gauteng, South Africa 3 days ago

Johannesburg, Gauteng, South Africa 2 days ago

City of Johannesburg, Gauteng, South Africa 4 days ago

City of Johannesburg, Gauteng, South Africa 1 week ago

Johannesburg, Gauteng, South Africa 2 months ago

Johannesburg, Gauteng, South Africa 2 days ago

Randburg, Gauteng, South Africa 2 days ago

Johannesburg, Gauteng, South Africa ZAR60,000.00-ZAR72,000.00 1 month ago

Johannesburg, Gauteng, South Africa 1 day ago

Johannesburg, Gauteng, South Africa 2 days ago

Business Analyst/Commercial Finance Analyst

Sandton, Gauteng, South Africa 1 month ago

Risk Intelligence and Reporting Analyst - Contract

City of Johannesburg, Gauteng, South Africa 2 days ago

Johannesburg, Gauteng, South Africa 4 days ago

Bryanston, Gauteng, South Africa 3 days ago

We’re unlocking community knowledge in a new way. Experts add insights directly into each article, started with the help of AI.

#J-18808-Ljbffr

# **Job Description***Hello future** **Credit Analyst**Ashburton Investments is a new generation investment manager that offers investors access to more sources of return and more ways to manage risk. In the institutional space in South Africa as well as our Global business, we pride ourselves on offering solutions to address clients’ holistic balance sheet needs, and to support business strategies in the reallocation of investment capital in the face of increasing regulatory pressures. We see institutions as but not limited to, pension funds, long and short-term insurers, re-insurers, as well as medical aid schemes.The Credit Research function oversees the credit exposures within the Ashburton Investments portfolios/mandates. This includes but is not limited to credit co-investment funds as well as full discretionary mandates for both local and offshore in both the listed and unlisted space.The Credit Analyst will work closely with the Risk function in Ashburton to ensure all breaches per credit limits are reported timeously, and specific action is taken to address the breaches.**Are you someone who can:***Credit Research** Manage the planning, execution and governance for new and annual credit reviews/ratings and deal transactions.* Presentation, support, and enablement of team members at relevant governance forums.* Responsible for assessment of new transactions where Credit risk is undertaken.* Proactive engagement with deal teams on complex deal transactions around structure, covenants and pricing.* Interact with relevant Legal Advisor to ensure that Legal agreements are concluded for all transactions where credit risk is taken.* Review of exposure limits, ratings and systems for Credit exposures.* Ensure team compliance with the bank’s credit risk framework, lgd models and prudential limit guidelines.* Work closely with the management and reporting of breaches in terms of concentrations and risk limits.* Attendance, input and interaction at relevant forums, committees etc. related to Credit Risk.* Make recommendations to optimise credit processes and “ways of working”* Ad hoc requests related to credit research function.*Client Engagement** Providing key stakeholders with pro-active research insights into trends, market risk appetite, issues, threats, and opportunities in all credit portfolios.* Be proactive in sharing insights across the Ashburton business and risk cluster in respect of counterparties where Credit exposure is taken.* Partnering with business clusters to maintain credit losses, profitability and other credit risk exposures.* Work in collaboration with the Portfolio Managers, to ensure alignment in thinking about credit exposures.*Asset Class Knowledge** Provide insight and optimise problem management processes with risk prone investments on the surveillance and watchlist.* Facilitate the understanding for the suitability of instruments for specific portfolios in accordance with their mandates.* Propose strategies for managing identified risks in credit.*Analysis** Ensure the analysis, identification and mitigation of counterparty exposures and mitigations through detailed knowledge of environmental factors.* Have a detailed knowledge of the critical key macro environmental impacts and inter-relationships e.g. jurisdictional compliance, sector developments, regulations, financial markets, country risk.* Understand and apply/translate the critical micro-environmental impacts and relationships e.g. company performance trends, financial data, debt profile, gearing, projected cash flows, operations.* Proactively manage credit risk metrics that are identified via risk dashboards and reporting.* Provide technical support in the implementation of a credit limit monitoring system with Risk and Operations.**You will be an ideal candidate if you:*** Have completed CA(SA), CFA considered favourable.* Minimum 3 years relevant experience in an asset management or investment banking environment and exposure to credit portfolio risk.* Have exposure to credit risk modelling.* Have knowledge of factors affecting national and global companies and their impact on investors.* Have Knowledge of risk management methodologies, tools, governance structures and regulatory requirements.* Have a thorough understanding of the investment process and the risks therein.**You will have access to:*** Opportunities to network and collaborate* Challenging Working* Opportunities to innovate**We can be a match if you have:*** 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.* Have strong people skills needed to build trust and confidence within the Ashburton business.* Have good communication and presentation skills.#Ashburton#Post#LI-CS2# # ***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.**10/10/25All 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.# Introduce YourselfIntroduce yourself to our recruiters and we will get in touch if there's a role that seems like a good match.
#J-18808-Ljbffr

# **Job Description***Hello future** **Credit Analyst**Ashburton Investments is a new generation investment manager that offers investors access to more sources of return and more ways to manage risk. In the institutional space in South Africa as well as our Global business, we pride ourselves on offering solutions to address clients’ holistic balance sheet needs, and to support business strategies in the reallocation of investment capital in the face of increasing regulatory pressures. We see institutions as but not limited to, pension funds, long and short-term insurers, re-insurers, as well as medical aid schemes.The Credit Research function oversees the credit exposures within the Ashburton Investments portfolios/mandates. This includes but is not limited to credit co-investment funds as well as full discretionary mandates for both local and offshore in both the listed and unlisted space.The Credit Analyst will work closely with the Risk function in Ashburton to ensure all breaches per credit limits are reported timeously, and specific action is taken to address the breaches.**Are you someone who can:***Credit Research** Manage the planning, execution and governance for new and annual credit reviews/ratings and deal transactions.* Presentation, support, and enablement of team members at relevant governance forums.* Responsible for assessment of new transactions where Credit risk is undertaken.* Proactive engagement with deal teams on complex deal transactions around structure, covenants and pricing.* Interact with relevant Legal Advisor to ensure that Legal agreements are concluded for all transactions where credit risk is taken.* Review of exposure limits, ratings and systems for Credit exposures.* Ensure team compliance with the bank’s credit risk framework, lgd models and prudential limit guidelines.* Work closely with the management and reporting of breaches in terms of concentrations and risk limits.* Attendance, input and interaction at relevant forums, committees etc. related to Credit Risk.* Make recommendations to optimise credit processes and “ways of working”* Ad hoc requests related to credit research function.*Client Engagement** Providing key stakeholders with pro-active research insights into trends, market risk appetite, issues, threats, and opportunities in all credit portfolios.* Be proactive in sharing insights across the Ashburton business and risk cluster in respect of counterparties where Credit exposure is taken.* Partnering with business clusters to maintain credit losses, profitability and other credit risk exposures.* Work in collaboration with the Portfolio Managers, to ensure alignment in thinking about credit exposures.*Asset Class Knowledge** Provide insight and optimise problem management processes with risk prone investments on the surveillance and watchlist.* Facilitate the understanding for the suitability of instruments for specific portfolios in accordance with their mandates.* Propose strategies for managing identified risks in credit.*Analysis** Ensure the analysis, identification and mitigation of counterparty exposures and mitigations through detailed knowledge of environmental factors.* Have a detailed knowledge of the critical key macro environmental impacts and inter-relationships e.g. jurisdictional compliance, sector developments, regulations, financial markets, country risk.* Understand and apply/translate the critical micro-environmental impacts and relationships e.g. company performance trends, financial data, debt profile, gearing, projected cash flows, operations.* Proactively manage credit risk metrics that are identified via risk dashboards and reporting.* Provide technical support in the implementation of a credit limit monitoring system with Risk and Operations.**You will be an ideal candidate if you:*** Have completed CA(SA), CFA considered favourable.* Minimum 3 years relevant experience in an asset management or investment banking environment and exposure to credit portfolio risk.* Have exposure to credit risk modelling.* Have knowledge of factors affecting national and global companies and their impact on investors.* Have Knowledge of risk management methodologies, tools, governance structures and regulatory requirements.* Have a thorough understanding of the investment process and the risks therein.**You will have access to:*** Opportunities to network and collaborate* Challenging Working* Opportunities to innovate**We can be a match if you have:*** 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.* Have strong people skills needed to build trust and confidence within the Ashburton business.* Have good communication and presentation skills.#Ashburton#Post#LI-CS2# # ***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.**10/10/25All 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.# Introduce YourselfIntroduce yourself to our recruiters and we will get in touch if there's a role that seems like a good match.
#J-18808-Ljbffr

# **Job Description***Hello future** **Credit Analyst**Ashburton Investments is a new generation investment manager that offers investors access to more sources of return and more ways to manage risk. In the institutional space in South Africa as well as our Global business, we pride ourselves on offering solutions to address clients’ holistic balance sheet needs, and to support business strategies in the reallocation of investment capital in the face of increasing regulatory pressures. We see institutions as but not limited to, pension funds, long and short-term insurers, re-insurers, as well as medical aid schemes.The Credit Research function oversees the credit exposures within the Ashburton Investments portfolios/mandates. This includes but is not limited to credit co-investment funds as well as full discretionary mandates for both local and offshore in both the listed and unlisted space.The Credit Analyst will work closely with the Risk function in Ashburton to ensure all breaches per credit limits are reported timeously, and specific action is taken to address the breaches.**Are you someone who can:***Credit Research** Manage the planning, execution and governance for new and annual credit reviews/ratings and deal transactions.* Presentation, support, and enablement of team members at relevant governance forums.* Responsible for assessment of new transactions where Credit risk is undertaken.* Proactive engagement with deal teams on complex deal transactions around structure, covenants and pricing.* Interact with relevant Legal Advisor to ensure that Legal agreements are concluded for all transactions where credit risk is taken.* Review of exposure limits, ratings and systems for Credit exposures.* Ensure team compliance with the bank’s credit risk framework, lgd models and prudential limit guidelines.* Work closely with the management and reporting of breaches in terms of concentrations and risk limits.* Attendance, input and interaction at relevant forums, committees etc. related to Credit Risk.* Make recommendations to optimise credit processes and “ways of working”* Ad hoc requests related to credit research function.*Client Engagement** Providing key stakeholders with pro-active research insights into trends, market risk appetite, issues, threats, and opportunities in all credit portfolios.* Be proactive in sharing insights across the Ashburton business and risk cluster in respect of counterparties where Credit exposure is taken.* Partnering with business clusters to maintain credit losses, profitability and other credit risk exposures.* Work in collaboration with the Portfolio Managers, to ensure alignment in thinking about credit exposures.*Asset Class Knowledge** Provide insight and optimise problem management processes with risk prone investments on the surveillance and watchlist.* Facilitate the understanding for the suitability of instruments for specific portfolios in accordance with their mandates.* Propose strategies for managing identified risks in credit.*Analysis** Ensure the analysis, identification and mitigation of counterparty exposures and mitigations through detailed knowledge of environmental factors.* Have a detailed knowledge of the critical key macro environmental impacts and inter-relationships e.g. jurisdictional compliance, sector developments, regulations, financial markets, country risk.* Understand and apply/translate the critical micro-environmental impacts and relationships e.g. company performance trends, financial data, debt profile, gearing, projected cash flows, operations.* Proactively manage credit risk metrics that are identified via risk dashboards and reporting.* Provide technical support in the implementation of a credit limit monitoring system with Risk and Operations.**You will be an ideal candidate if you:*** Have completed CA(SA), CFA considered favourable.* Minimum 3 years relevant experience in an asset management or investment banking environment and exposure to credit portfolio risk.* Have exposure to credit risk modelling.* Have knowledge of factors affecting national and global companies and their impact on investors.* Have Knowledge of risk management methodologies, tools, governance structures and regulatory requirements.* Have a thorough understanding of the investment process and the risks therein.**You will have access to:*** Opportunities to network and collaborate* Challenging Working* Opportunities to innovate**We can be a match if you have:*** 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.* Have strong people skills needed to build trust and confidence within the Ashburton business.* Have good communication and presentation skills.#Ashburton#Post#LI-CS2# # ***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.**10/10/25All 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.# Introduce YourselfIntroduce yourself to our recruiters and we will get in touch if there's a role that seems like a good match.
#J-18808-Ljbffr

# **Job Description***Hello future** **Credit Analyst**Ashburton Investments is a new generation investment manager that offers investors access to more sources of return and more ways to manage risk. In the institutional space in South Africa as well as our Global business, we pride ourselves on offering solutions to address clients’ holistic balance sheet needs, and to support business strategies in the reallocation of investment capital in the face of increasing regulatory pressures. We see institutions as but not limited to, pension funds, long and short-term insurers, re-insurers, as well as medical aid schemes.The Credit Research function oversees the credit exposures within the Ashburton Investments portfolios/mandates. This includes but is not limited to credit co-investment funds as well as full discretionary mandates for both local and offshore in both the listed and unlisted space.The Credit Analyst will work closely with the Risk function in Ashburton to ensure all breaches per credit limits are reported timeously, and specific action is taken to address the breaches.**Are you someone who can:***Credit Research** Manage the planning, execution and governance for new and annual credit reviews/ratings and deal transactions.* Presentation, support, and enablement of team members at relevant governance forums.* Responsible for assessment of new transactions where Credit risk is undertaken.* Proactive engagement with deal teams on complex deal transactions around structure, covenants and pricing.* Interact with relevant Legal Advisor to ensure that Legal agreements are concluded for all transactions where credit risk is taken.* Review of exposure limits, ratings and systems for Credit exposures.* Ensure team compliance with the bank’s credit risk framework, lgd models and prudential limit guidelines.* Work closely with the management and reporting of breaches in terms of concentrations and risk limits.* Attendance, input and interaction at relevant forums, committees etc. related to Credit Risk.* Make recommendations to optimise credit processes and “ways of working”* Ad hoc requests related to credit research function.*Client Engagement** Providing key stakeholders with pro-active research insights into trends, market risk appetite, issues, threats, and opportunities in all credit portfolios.* Be proactive in sharing insights across the Ashburton business and risk cluster in respect of counterparties where Credit exposure is taken.* Partnering with business clusters to maintain credit losses, profitability and other credit risk exposures.* Work in collaboration with the Portfolio Managers, to ensure alignment in thinking about credit exposures.*Asset Class Knowledge** Provide insight and optimise problem management processes with risk prone investments on the surveillance and watchlist.* Facilitate the understanding for the suitability of instruments for specific portfolios in accordance with their mandates.* Propose strategies for managing identified risks in credit.*Analysis** Ensure the analysis, identification and mitigation of counterparty exposures and mitigations through detailed knowledge of environmental factors.* Have a detailed knowledge of the critical key macro environmental impacts and inter-relationships e.g. jurisdictional compliance, sector developments, regulations, financial markets, country risk.* Understand and apply/translate the critical micro-environmental impacts and relationships e.g. company performance trends, financial data, debt profile, gearing, projected cash flows, operations.* Proactively manage credit risk metrics that are identified via risk dashboards and reporting.* Provide technical support in the implementation of a credit limit monitoring system with Risk and Operations.**You will be an ideal candidate if you:*** Have completed CA(SA), CFA considered favourable.* Minimum 3 years relevant experience in an asset management or investment banking environment and exposure to credit portfolio risk.* Have exposure to credit risk modelling.* Have knowledge of factors affecting national and global companies and their impact on investors.* Have Knowledge of risk management methodologies, tools, governance structures and regulatory requirements.* Have a thorough understanding of the investment process and the risks therein.**You will have access to:*** Opportunities to network and collaborate* Challenging Working* Opportunities to innovate**We can be a match if you have:*** 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.* Have strong people skills needed to build trust and confidence within the Ashburton business.* Have good communication and presentation skills.#Ashburton#Post#LI-CS2# # ***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.**10/10/25All 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.# Introduce YourselfIntroduce yourself to our recruiters and we will get in touch if there's a role that seems like a good match.
#J-18808-Ljbffr

# **Job Description***Hello future** **Credit Analyst**Ashburton Investments is a new generation investment manager that offers investors access to more sources of return and more ways to manage risk. In the institutional space in South Africa as well as our Global business, we pride ourselves on offering solutions to address clients’ holistic balance sheet needs, and to support business strategies in the reallocation of investment capital in the face of increasing regulatory pressures. We see institutions as but not limited to, pension funds, long and short-term insurers, re-insurers, as well as medical aid schemes.The Credit Research function oversees the credit exposures within the Ashburton Investments portfolios/mandates. This includes but is not limited to credit co-investment funds as well as full discretionary mandates for both local and offshore in both the listed and unlisted space.The Credit Analyst will work closely with the Risk function in Ashburton to ensure all breaches per credit limits are reported timeously, and specific action is taken to address the breaches.**Are you someone who can:***Credit Research** Manage the planning, execution and governance for new and annual credit reviews/ratings and deal transactions.* Presentation, support, and enablement of team members at relevant governance forums.* Responsible for assessment of new transactions where Credit risk is undertaken.* Proactive engagement with deal teams on complex deal transactions around structure, covenants and pricing.* Interact with relevant Legal Advisor to ensure that Legal agreements are concluded for all transactions where credit risk is taken.* Review of exposure limits, ratings and systems for Credit exposures.* Ensure team compliance with the bank’s credit risk framework, lgd models and prudential limit guidelines.* Work closely with the management and reporting of breaches in terms of concentrations and risk limits.* Attendance, input and interaction at relevant forums, committees etc. related to Credit Risk.* Make recommendations to optimise credit processes and “ways of working”* Ad hoc requests related to credit research function.*Client Engagement** Providing key stakeholders with pro-active research insights into trends, market risk appetite, issues, threats, and opportunities in all credit portfolios.* Be proactive in sharing insights across the Ashburton business and risk cluster in respect of counterparties where Credit exposure is taken.* Partnering with business clusters to maintain credit losses, profitability and other credit risk exposures.* Work in collaboration with the Portfolio Managers, to ensure alignment in thinking about credit exposures.*Asset Class Knowledge** Provide insight and optimise problem management processes with risk prone investments on the surveillance and watchlist.* Facilitate the understanding for the suitability of instruments for specific portfolios in accordance with their mandates.* Propose strategies for managing identified risks in credit.*Analysis** Ensure the analysis, identification and mitigation of counterparty exposures and mitigations through detailed knowledge of environmental factors.* Have a detailed knowledge of the critical key macro environmental impacts and inter-relationships e.g. jurisdictional compliance, sector developments, regulations, financial markets, country risk.* Understand and apply/translate the critical micro-environmental impacts and relationships e.g. company performance trends, financial data, debt profile, gearing, projected cash flows, operations.* Proactively manage credit risk metrics that are identified via risk dashboards and reporting.* Provide technical support in the implementation of a credit limit monitoring system with Risk and Operations.**You will be an ideal candidate if you:*** Have completed CA(SA), CFA considered favourable.* Minimum 3 years relevant experience in an asset management or investment banking environment and exposure to credit portfolio risk.* Have exposure to credit risk modelling.* Have knowledge of factors affecting national and global companies and their impact on investors.* Have Knowledge of risk management methodologies, tools, governance structures and regulatory requirements.* Have a thorough understanding of the investment process and the risks therein.**You will have access to:*** Opportunities to network and collaborate* Challenging Working* Opportunities to innovate**We can be a match if you have:*** 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.* Have strong people skills needed to build trust and confidence within the Ashburton business.* Have good communication and presentation skills.#Ashburton#Post#LI-CS2# # ***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.**10/10/25All 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.# Introduce YourselfIntroduce yourself to our recruiters and we will get in touch if there's a role that seems like a good match.
#J-18808-Ljbffr

# **Job Description***Hello future** **Credit Analyst**Ashburton Investments is a new generation investment manager that offers investors access to more sources of return and more ways to manage risk. In the institutional space in South Africa as well as our Global business, we pride ourselves on offering solutions to address clients’ holistic balance sheet needs, and to support business strategies in the reallocation of investment capital in the face of increasing regulatory pressures. We see institutions as but not limited to, pension funds, long and short-term insurers, re-insurers, as well as medical aid schemes.The Credit Research function oversees the credit exposures within the Ashburton Investments portfolios/mandates. This includes but is not limited to credit co-investment funds as well as full discretionary mandates for both local and offshore in both the listed and unlisted space.The Credit Analyst will work closely with the Risk function in Ashburton to ensure all breaches per credit limits are reported timeously, and specific action is taken to address the breaches.**Are you someone who can:***Credit Research** Manage the planning, execution and governance for new and annual credit reviews/ratings and deal transactions.* Presentation, support, and enablement of team members at relevant governance forums.* Responsible for assessment of new transactions where Credit risk is undertaken.* Proactive engagement with deal teams on complex deal transactions around structure, covenants and pricing.* Interact with relevant Legal Advisor to ensure that Legal agreements are concluded for all transactions where credit risk is taken.* Review of exposure limits, ratings and systems for Credit exposures.* Ensure team compliance with the bank’s credit risk framework, lgd models and prudential limit guidelines.* Work closely with the management and reporting of breaches in terms of concentrations and risk limits.* Attendance, input and interaction at relevant forums, committees etc. related to Credit Risk.* Make recommendations to optimise credit processes and “ways of working”* Ad hoc requests related to credit research function.*Client Engagement** Providing key stakeholders with pro-active research insights into trends, market risk appetite, issues, threats, and opportunities in all credit portfolios.* Be proactive in sharing insights across the Ashburton business and risk cluster in respect of counterparties where Credit exposure is taken.* Partnering with business clusters to maintain credit losses, profitability and other credit risk exposures.* Work in collaboration with the Portfolio Managers, to ensure alignment in thinking about credit exposures.*Asset Class Knowledge** Provide insight and optimise problem management processes with risk prone investments on the surveillance and watchlist.* Facilitate the understanding for the suitability of instruments for specific portfolios in accordance with their mandates.* Propose strategies for managing identified risks in credit.*Analysis** Ensure the analysis, identification and mitigation of counterparty exposures and mitigations through detailed knowledge of environmental factors.* Have a detailed knowledge of the critical key macro environmental impacts and inter-relationships e.g. jurisdictional compliance, sector developments, regulations, financial markets, country risk.* Understand and apply/translate the critical micro-environmental impacts and relationships e.g. company performance trends, financial data, debt profile, gearing, projected cash flows, operations.* Proactively manage credit risk metrics that are identified via risk dashboards and reporting.* Provide technical support in the implementation of a credit limit monitoring system with Risk and Operations.**You will be an ideal candidate if you:*** Have completed CA(SA), CFA considered favourable.* Minimum 3 years relevant experience in an asset management or investment banking environment and exposure to credit portfolio risk.* Have exposure to credit risk modelling.* Have knowledge of factors affecting national and global companies and their impact on investors.* Have Knowledge of risk management methodologies, tools, governance structures and regulatory requirements.* Have a thorough understanding of the investment process and the risks therein.**You will have access to:*** Opportunities to network and collaborate* Challenging Working* Opportunities to innovate**We can be a match if you have:*** 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.* Have strong people skills needed to build trust and confidence within the Ashburton business.* Have good communication and presentation skills.#Ashburton#Post#LI-CS2# # ***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.**10/10/25All 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.# Introduce YourselfIntroduce yourself to our recruiters and we will get in touch if there's a role that seems like a good match.
#J-18808-Ljbffr