Credit Risk Analyst

Primary Purpose

The purpose of the Credit Risk Analyst role is to assess, measure, and monitor the credit risk exposure of the Bank to ensure sound lending and investment decisions. The analyst evaluates financial data, creditworthiness, and market conditions to identify potential risks, recommend appropriate credit limits or risk mitigation strategies, and support the development of policies that safeguard the company’s portfolio quality. This role helps maintain regulatory compliance and contributes to sustainable profitability by ensuring that credit decisions align with the organization’s risk appetite.

Technical Competency Requirement

• Accuracy in preparing, validating, and submitting regulatory returns within deadlines.
• Skilled in preparing daily, monthly, and quarterly risk reports for senior management and governance committees.
• Ability to translate data into actionable insights for decision‑making.
• Ability to engage effectively with business units, credit teams, and regulatory stakeholders regarding submitted returns.
• Knowledge of Banks Act and Regulations.
• Knowledge of internal risk frameworks, credit policies, and industry regulation.
• Ability to diagnose root causes of risk issues and recommend practical mitigation strategies.
• Strong communication skills for presenting risk findings and remediation recommendations.
• Proficiency in Excel (advanced functions, pivot tables, financial modelling) and risk reporting tools.
• High level of integrity & consistent with good judgement.
• Ability to identify, quantify, and assess credit risks across portfolios.
• Strong understanding of BA200, Statistical Form 39, and other NCR (National Credit Regulator) reporting requirements.
• Ability to work under pressure and meet deadlines.

Required Minimum

Required Minimum Work Experience

Financial Management

Customer Centricity

OPERTIONAL EXCELLENCE

Learning and Growth

Work Condition : Office Bound

This position is advertised in line with our commitment to Employment Equity.

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