Credit Analyst at Commercial Business – Apply Now! ABSA

Are you passionate about credit risk analysis and commercial finance? ABSA, one of South Africa’s leading financial institutions, is seeking a highly analytical and detail-oriented Credit Analyst to join its Commercial Business division. This role offers the opportunity to play a key part in driving responsible lending decisions and supporting ABSA’s business banking strategy.

As a Credit Analyst, you’ll be instrumental in evaluating financial data, conducting credit assessments, and making informed recommendations that align with ABSA’s risk management frameworks. If you thrive in a dynamic environment, value strategic thinking, and have a solid background in financial analysis, this could be your next big move.

🚀 Key Responsibilities

🔍 Credit Risk Evaluation:

• Assess the creditworthiness of commercial clients using financial statements, market intelligence, and industry data.

• Prepare detailed credit reports and present findings to credit committees.

• Analyze risk factors and ensure proposals align with ABSA’s risk appetite and policies.

💼 Portfolio Management:

• Monitor existing credit exposures and recommend action plans for high-risk accounts.

• Support relationship managers with client engagement and early warning signals.

• Ensure accurate and up-to-date credit records and compliance documentation.

🧠 Strategic Input:

• Participate in structuring of complex lending transactions.

• Contribute to improvements in credit assessment models and frameworks.

• Collaborate with product, legal, and operations teams to ensure seamless deal execution.

✅ Requirements

🎓 Education:

• Bachelor’s degree in Finance, Accounting, Economics, or a related field.

• A postgraduate qualification or professional certifications (e.g., CFA, CIMA, CA(SA)) is advantageous.

💼 Experience:

• Minimum 3–5 years’ experience in credit risk analysis or commercial banking.

• Strong understanding of financial statements and business models across industries.

🧩 Skills:

• Exceptional analytical and problem-solving skills.

• Strong knowledge of credit legislation, regulations, and lending principles.

• Excellent written and verbal communication skills.

• Ability to work independently and manage multiple priorities.

🌍 Why Join ABSA?

• Reputable Brand – Be part of one of Africa’s most trusted and innovative banks.

• Career Growth – ABSA supports continuous development through learning and leadership programmes.

• Inclusive Culture – Thrive in a workplace that values diversity, integrity, and respect.

• Impactful Work – Make a meaningful contribution to economic growth and SME development.

At ABSA, your professional growth is supported by robust frameworks, digital innovation, and a forward-thinking culture that empowers you to lead from the front.

🔗 Find similar jobs at:

👉 https://careerjunctionza.co.za/jobs/

📄 CV Tips for a Credit Analyst Role:

1. Quantify achievements – Highlight credit deals managed, risk mitigated, or portfolio growth delivered.

2. Demonstrate industry exposure – Mention experience across sectors (e.g., manufacturing, retail, services).

3. Highlight financial analysis skills – Include financial ratios, cash flow modeling, or trend analysis.

4. Showcase tools used – Mention platforms or tools such as Moody’s, S&P, Excel modeling, or CRM systems.

5. Include compliance awareness – Reference your understanding of regulatory frameworks like Basel III or FICA.

🌐 Company Website: https://www.absa.africa