Analyst Credit Commercial PHV 2026
Job Details:
- Company: Absa Bank Limited
- Job Title: Analyst Credit Commercial PHV
- Job Requisition ID: R-15976394
- Location: Bloemfontein
- Work Type: Hybrid
- Employment Type: Full-time
- Closing Date: 31 January 2026 (3 days remaining)
Job Purpose
To conduct in-depth, specialised credit assessments and risk analysis for potential and existing clients within a Premium Portfolio. The role supports sound credit decision-making by analysing financial statements, qualitative business information, and industry data to determine Absa’s appetite to extend credit.
Key Responsibilities
1. Risk Management
Monitor client performance for early risk indicators
Conduct formal credit reviews at prescribed intervals
Monitor compliance with covenants and credit conditions
Escalate risk concerns to Sales, Credit, and Line Management
Ensure compliance with ARMS and Absa Credit Policy
Request updated property valuations for secured facilities
Manage risks related to securities and collateral
Proactively manage high-risk clients and implement loss prevention measures (EWL Reports)
Manage outstanding financial statements per policy
Action and manage Odex, Referrals, REPL, and REPC
2. Credit Management
Structure sustainable credit solutions aligned to client needs
Ensure adherence to credit policies and mitigate policy breaches
Manage credit risks across client portfolios and products
Drive the deal forum process and submit quality applications to sanctioners
Obtain specialist input where required
3. Portfolio Financial & Operational Management
Compile credit reviews, amendments, and new applications
Issue facility letters and expiry reminders (30/60/90 days)
Ensure recovery of manual fees to prevent revenue leakage
Spread financials using credit risk models:
Agri Model
Public Sector Model
RiskCalc Model
Triad
Produce accurate Default Grading (DG) outputs
4. Client Solutioning & Customer Service
Identify cross-sell opportunities and provide leads to bankers
Participate in sales best-practice and solutioning sessions
Conduct industry and market research to assess client positioning
Provide credit input on new acquisitions and product offerings
5. Teamwork & Self-Development
Participate actively in team meetings and performance discussions
Build strong collaborative relationships across the bank
Stay updated on regulatory changes through training
Take ownership of learning and development initiatives
Live Absa’s values and contribute to its vision
Core Competencies
Financial analysis
Planning and organising
Writing and reporting
Working with people
Applying expertise and technology
Entrepreneurial and commercial thinking
Persuading and influencing
Minimum Qualifications & Experience
Education
Bachelor’s Degree or Advanced Diploma in:
Business
Commerce
Management Studies
Credit Risk
Experience
5+ years relevant credit or risk analysis experience
Agricultural credit analysis experience – preferred
Technical Skills
Strong Microsoft Office skills, especially Excel
Experience with financial spreading and risk grading models
Employment Equity
Absa is an equal opportunity and affirmative action employer. Preference will be given to candidates from designated groups in line with the Employment Equity Act.