Description

Credit/Risk Analyst

We are seeking a suitably qualified and experienced Credit/Risk Analyst to join our team.

Job Summary

The successful candidate will be responsible for analyzing financial statements, understanding industry dynamics, and making recommendations regarding credit limits, terms, and conditions for extending credit to corporate clients.

Key Responsibilities

• Deal management and preparation, deal execution and presentation, post-deal implementation, and overall input towards credit projects, personal development, and client visits.
• Reviewing of financial statements to assess the company's financial health, profitability, liquidity, and leverage.
• Understanding the industry dynamics and market trends relevant to the clients' business is essential, adding value to credit committee presentations and discussions.
• Ensuring that credit decisions adhere to the company's credit policies, procedures, and regulatory requirements.
• Making recommendations regarding credit limits, terms, and conditions for extending credit to corporate clients.
• Conducting thorough due diligence on potential clients to assess their creditworthiness accurately.
• Supporting legal approval and implementation of credit requirements.

Requirements

• A minimum of a BCom degree with Finance and/or Mathematics, Accounting as a subject(s) is essential.
• A Post-graduate degree qualification will be a distinct advantage.
• At least 2-4 years working knowledge of credit risk management within the financial services sector is ESSENTIAL.
• Familiarity with the National Credit Act is ESSENTIAL.
• Corporate/commercial credit analysis experience, at least 2 years but preferably 3-6 years in a credit analyst role (NON-NEGOTIABLE).
• A clean Credit/Criminal Record.
• A valid unendorsed Driver's License (Code 08).

Salary: R30K - R45K per month. There are 6 vacancies available in Cape Town, Pretoria, and Sandton.

This position requires a strong analytical mind, excellent communication skills, and the ability to work independently. The ideal candidate will have a solid understanding of credit risk management and be able to make sound recommendations based on their analysis.

Please note that willingness to relocate at own expense is required. If this opportunity does not align with your career aspirations, kindly forward it to a friend.