Credit Analyst
PRIMARY PURPOSE
Performs financials analysis and interpretation, deal structuring and recommendations to credit.
Supports the Bankers to structure credit applications, as well as the management of existing portfolio (essentially income generating / monitoring)
TECHNICAL COMPETENCY REQUIREMENT
- Financial analysis and interpretation
- Planning/organizing
- Attention to detail
- Effective time management
- Interpersonal skills
- Verbal and written communication skills
- Relationship Management
- Reporting
REQUIRED MINIMUM EDUCATION AND TRAINING
BCom Degree/ Advanced Diploma in Accounting/Finance/Credit
REQUIRED MINIMUM WORK EXPERIENCE
3-5 years banking/credit experience
KEY PERFORMANCE AREA (KPA)
Financial Statement Analysis
- Accurate and comprehensive assessment of the background needs and affordability of a credit application
- Analysis of financial information and preparation of financial models to determine deal feasibility and potential returns
- Preparation of credit paper and reports
- Assisting in deal presentation to the relevant Credit committee
- Management and oversight of deal execution, including finalization of all deal conditions (fees etc)
- Generate Financial Ratios
Risk and Compliance
- Adherence to legislation and regulatory requirements
- Ensure compliance with Credit Sanctions
- Complete all compliance training within laid down timelines
- Ensure accurate preparation and signing of all legal agreements and documents
- Conduct research of various industries, best practice methodologies and changes in markets thereby identifying risk to adjust areas in the business timeously
- Ensure operational risk management and mitigate risks
Relationship and Stakeholder management
- Develop and maintain relationships with internal stakeholders in order to deliver services in accordance with the expectations of the organization
- Interpret business/customer requirements and address customer queries and challenges to provide timeous and relevant solutions
- Interacting with other areas of the bank in acting as a catalyst in driving the changed initiatives in ensuring compliance with agreed risk parameters as set out in the bank’s strategy
- Advise and educate clients on the solutions on financing and providing fleet products to maximize the revenue that can be generated for Bidvest and providing the client with a workable solution
- Correctly anticipating and interpreting the customers’ business requirements to provide relevant timeous solutions (research the client’s business and industry in order to be prepared and add value to the solutions provided
Reporting
- Prepare detailed reports and documentation for loan proposals
- Presenting findings and recommendations to management and loan committees
WORK CONDITIONS: OFFICE BOUND
This position is advertised in line with our commitment to Employment Equity.
Credit Manager
PRIMARY PURPOSE
The role is responsible for managing an assigned credit portfolio, ensuring the effective implementation and consistent application of credit policy, credit controls, risk management, and compliance with regulatory and organizational standards.
The Credit Manager oversees the credit granting process to ensure sound credit decisions, the consistent application of credit policy, and the maintenance of a healthy and profitable lending portfolio that supports business growth while minimizing financial risk.
TECHNICAL COMPETENCY REQUIREMENT
• Ability to evaluate borrower creditworthiness through financial, business, and risk analysis.
• Skilled in interpreting financial statements, cash flow, and ratio analysis to support sound lending decisions.
• Applies and enforces the bank’s credit policies, risk appetite, and lending standards consistently.
• Understands key banking regulations (Basel III/IV, IFRS 9, AML/CFT, National Credit Act) and ensures compliance.
• Monitors and manages loan portfolios to maintain asset quality and minimize credit losses.
• Proficient in Corporate, Commercial, Business Banking, Trade Finance, and Forex credit products.
• Evaluates adequacy and enforceability of collateral and ensures proper documentation.
• Structures, assesses, and approves credit proposals within delegated authority, balancing risk and profitability.
• Utilizes banking systems and credit tools effectively for analysis, monitoring, and reporting.
• Identifies, restructures, and manages distressed accounts to minimize losses.
• Prepares accurate reports on exposure, delinquency, and portfolio trends for management insight.
• Aligns credit pricing with risk-adjusted returns and financial KPIs.
• Leverages digital tools and analytics to improve credit assessment and decision efficiency.
• Aligns credit decisions with the bank’s strategic objectives and profitability goals.
• Ensures completeness, compliance, and enforceability of credit and loan documentation.
REQUIRED MINIMUM EDUCATION AND TRAINING
• Bachelor’s degree in finance, Accounting, Economics, or Business Administration.
REQUIRED MINIMUM WORK EXPERIENCE
• Minimum of 5–8 years’ experience in credit assessment, risk management, or portfolio management within a banking environment.
• Strong understanding of Corporate, Commercial, Business Banking, and Trade Finance products.
• In-depth knowledge of credit risk frameworks, financial analysis, and banking regulations.
KEY PERFORMANCE AREA (KPA)
FINANCIAL MANAGEMENT
- Assess and recommend credit applications for lending products including overdrafts, term loans, asset finance, trade facilities, and foreign exchange lines.
- Conduct detailed financial and credit risk analyses, including cash flow assessments, collateral evaluation, and customer due diligence.
- Approve or recommend credit facilities within delegated authority levels.
- Ensure all credit proposals comply with the Bank’s policies, procedures, and regulatory standards (e.g., Basel III, IFRS 9, SARB, etc.).
CUSTOMER CENTRICITY
- Partner with sales teams and relevant stakeholders to support business objectives and client service delivery.
OPERTIONAL EXCELLENCE
- Manage reviews and drive process.
- Manage collateral requirements.
- Conduct periodic reviews of facilities to identify early warning signals and propose corrective measures.
- Collection of financial information from internal clients
- Ensure appropriate credit controls and governance are maintained throughout the credit life cycle.
- Work closely with Sales teams to proactively manage client risk exposures.
PEOPLE LEADERSHIP
- Inspire, motivate, and support team so that they are effective and delivering high quality work and meeting organisational and individual objectives.
- Monitor team performance, conduct regular performance reviews, and ensure adherence to KPIs and legal compliance.
- Ensure that all employees are motivated and developed.
- Inspire and engage employees around the vision and strategy of the Bank, maximising employee engagement and willingness to invest discretionary effort.
- Maintaining departmental structures, processes, and resources.
- Reporting to the Credit Committee and Snr Credit Committee
- Managing the process for Bad Debts and Impairments
COMPLIANCE AND MONITORING
- Maintain awareness of regulatory and market developments that impact credit risk.
- Ensure compliance with all relevant internal controls, risk policies, and legal requirements.
- Contribute to policy updates and participate in internal audit and regulatory reviews.
STAKEHOLDER MANAGEMENT
- Build a trusted advisor relationship with the Leadership Teams ensuring they are proactively and effectively advised on governance, compliance matters.
- Liaise with Legal, Compliance, and Collections to ensure effective management of distressed accounts.
- Ensure that all regulatory, legal, compliance and change requirements are planned, communicated, and fully understood by all executives and members of staff when implemented, and that where appropriate, effective levels of support are available from internal/external providers.
- Work collaboratively with management to develop investigative strategies.
- Work collaboratively across function teams within Fraud Operations, Fraud Prevention and Financial Crime Investigations to ensure effective and efficient operations with clearly defined roles and responsibilities in connection within the relevant teams.
REPORTING
- Prepare regular reports on portfolio performance, credit exposure, and risk trends.
- Analyze and report on portfolio quality indicators, including delinquency rates, impairments, and concentrations.
- Provide management with insights and recommendations for risk mitigation and business growth.
LEARNING AND GROWTH
- Work with Learning & Development to implement appropriate education, learning and communication for employees.
- Take ownership for driving own career development.
- Achievement of objectives/milestones set out in the development plan.
- Preparation and signing off of the development plan
- Development of knowledge base and intellectually property.
WORK CONDITION: OFFICE BOUND
This position is advertised in line with our commitment to Employment Equity.
Key Accounts Manager (KAM) Alliance Banking
PRIMARY PURPOSE
Key Accounts Manager must cultivate strategic partnerships to drive business growth, leveraging collaborations with internal stakeholders and with other companies to expand market reach.
Execute on Alliance Banking Strategy and associated delivery plans. Business integration and operational implementation through the achievement of business objective.
Responsible for managing both the increase revenue and cost management for the business unit.
Market share growth within the Alliance Banking environment.
Working closely with operational support teams (Compliance, Risk, Finance, Treasury, Card and Payment) and IT Partners.
TECHNICAL COMPETENCY REQUIREMENT
• Research and Information Gathering
• Value chain Management
• Service and Capability
• Innovation – identification of operational opportunities to automate
• Fundamental understanding of regulatory framework and requirement
• Governance Framework and Processes
• People (stakeholder) Management
• Excellent organisation and time management skills.
REQUIRED MINIMUM EDUCATION AND TRAINING
• Bachelor’s Degree
• FAIS RE5
REQUIRED MINIMUM WORK EXPERIENCE
• 3-5 years minimum in the same role
• 3-5 years minimum in the financial services industry
• Proven track record of success in building strategic partnership
KEY PERFORMANCE AREA (KPA)
FINANCIAL MANAGEMENT
• Monitoring financial control over Alliance Partnerships based on strategic requirements.
• Monitoring Alliance Partnerships and performance against budget.
• Ensure Alliance price points are implemented and appropriately charged to partners and outstanding debts | overruns are billed and collected.
• Implement revised pricing once confirmed by Pricing Committee.
• Implementing new opportunities identified by Head of Personal Alliance.
CUSTOMER CENTRICITY
• Managing Alliance projects (non-technology elements) input into negotiating agreements to reach deals which will increase distribution channels for the Bank’s product and services as defined within Alliance Partnership Framework.
• Execute on developed joint business plans and communicate clear commitments around marketing, lead generation and sales alignment.
• Manage a close internal stakeholder engagement.
• Interpret business | customer requirements to successfully execute.
• Cultivate strong relationships and act as primary point of contract for relevant Alliance Partnerships to ensure customer satisfaction.
• Consistently communicate the Bank’s value proposition with all Alliance Partnerships.
• Execute on the commercial |legal| technical discussions with partnerships and report to Head where issues arise timeously.
OPERTIONAL EXCELLENCE
• Conduct competitive analysis research on similar products.
• Provide relevant information to Head around the sales forecasts, special reports, presentations of the value propositions.
• Execute on new product or enhanced product delivery.
• Contribute to partnership program growth and success.
• Collaboration with marketing teams on ongoing marketing initiatives.
PEOPLE MANAGEMENT
• Build a high performing team in engagements with internal stakeholders.
• Maintaining departmental structures, processes and resources.
REPORTING AND DATA MANAGEMENT
• Weekly and monthly reporting to both internal stakeholders.
• Preparation of monthly NPPAC packs.
• Preparation of Regulatory packs (in need).
LEARNING AND GROWTH
• Take ownership for driving own career development by preparing own Personal Development Plan and achieving the objectives/milestones set out in the development plan.
• Actively work towards developing knowledge related to compliance and ethical business practices trends and developments, and work towards building own Intellectual Property.
WORK CONDITION: OFFICE BOUND
This position is advertised in line with our commitment to Employment Equity.
Key Accounts Manager (KAM) Alliance Banking at Bidvest Bank apply here
Desktop Support Consultant
Primary Purpose
The primary purpose of a Desktop Support Technician is to provide hands-on technical support to end users, ensuring that their computers and related technologies function smoothly. They address hardware and software issues, provide user training, maintain security measures, collaborate with other IT teams, and contribute to a positive overall user experience
Minimum Requirements
Qualifications
- Matric, A+, N+
- MCP
Experience
- 1-2 years’ experience within a large desktop
environment
Working Conditions
Office bound with regular travel. After-hours (Standby) work required. Flexibility of your time will be a key factor.
Drivers’ license and own vehicle is a must
Duties and Responsibilities include but not limited to:
FINANCE
- Review targeted supply arrangements to achieve optimal value for money based on total cost of ownership (price, quality, service, and administration)
- Managing the procurement budget and promoting a culture of long-term savings on costs
- Monitor spend by monthly analysis
- Identify suppliers in line with Code of Good Practice and business objectives
- Maximise Bidvest intercompany spend – monthly reporting
CUSTOMER CENTRICITY
Service excellence
- Levels and quality of service delivery as experienced by internal and external stakeholders
- Interprets business/ customer requirements in order to provide timeous solutions
- Responsiveness: timeous response, reaction and turnaround time
- Output results from client servicing activities, including value of advice to customer and/ or stakeholders
OPERATIONAL EXCELLENCE
Internal processes
- Respond to all customer calls through email, Teams, ITSM tool and telephone.
- Technical Troubleshooting:Â diagnose and resolve technical issues faced by end users. This can range from hardware to software and network connectivity problems.
- Hardware Maintenance:Â this includes setting up new computers, installing components like RAM or hard drives, and ensuring proper connectivity of peripherals such as printers, scanners, and external drives.
- Site Management: Manage all aspects of branch projects (branch opening, closure, moves and renovations)
- Audio-visual support: Setup, testing and support audio-visual equipment in the boardrooms to ensure optimal availability of the rooms.
- Software Support:Â assist users with software-related problems. This includes helping with software installation, configuration, and updates, as well as addressing errors or glitches within software applications.
- Remote Assistance:Â provide remote support and troubleshooting to minimize downtime.
- Security Measures:Â ensure that end users’ devices are up to date with security patches and antivirus software. Also assist in enforcing security protocols and best practices to protect against cyber threats.
- Collaboration: collaborate with other IT teams, such as network engineers and system administrators, to tackle more complex technical challenges that extend beyond the scope of basic desktop support.
- User Experience:Â Ensuring a positive user experience is a central focus. By promptly addressing technical problems and providing solutions and contributing to overall employee satisfaction and productivity.
- After hours support
- Hardware and Software Upgrades:Â Assist with upgrading hardware components and software applications, ensuring that systems remain up to date and capable of handling new technologies.
- Inventory/asset Management:Â Keeping track of hardware and software assets by ensuring that all hardware/software changing hands is properly documented thus contributing to resource allocation, budgeting, and proper maintenance.
This position is advertised in line with our commitment to Employment Equity.
Desktop Support Consultant at Bidvest Bank apply here