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    Job Opportunity

    Analyst Credit Commercial PHV 2026

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    Analyst Credit Commercial PHV

    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.

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