Credit Analyst

Placements24; Queenstown; Ibrido; NZD 39.000 - 65.000; Tempo pieno

Vantaggi offerti da questo lavoro

Competitive salary

Medical aid

Retirement fund

Professional development

Hybrid work model

Generous annual leave

Employee assistance program

Descrizione del lavoro

Placements24 seeks a diligent Credit Analyst in Queenstown to assess credit risk, analyze financial data, and prepare recommendations for loan approvals. The role combines in-office collaboration with remote work to support responsible lending and portfolio growth.

You will evaluate applications, monitor portfolios, and ensure compliance with credit policies while developing financial models and communicating decisions to clients and stakeholders.

Competenze

• Bachelor's degree in Finance, Accounting, Economics, or related quantitative field.
• 2–4 years of credit analysis, lending, or related financial role.
• Strong understanding of financial statement analysis, ratio analysis, and credit scoring principles.
• Proficiency in Microsoft Excel for financial modeling and data analysis.
• Excellent analytical, problem-solving, and decision-making skills.
• Good written and verbal communication skills.
• Ability to manage multiple tasks and meet deadlines.
• Familiarity with credit underwriting standards and regulatory compliance is a plus.
• Comfortable working in a Hybrid work environment in Queenstown, Eastern Cape.

Mansioni

• Evaluate loan applications and assess the credit risk of potential borrowers (individuals and businesses).
• Analyze financial statements, credit reports, and other data to determine creditworthiness.
• Prepare detailed credit reports and recommendations for loan approval or rejection.
• Monitor existing loan portfolios for signs of distress and adherence to credit terms.
• Ensure compliance with credit policies and regulatory requirements.
• Develop and maintain financial models to forecast borrower repayment capacity.
• Communicate with clients and internal stakeholders to gather information and explain credit decisions.
• Stay informed about industry trends and economic conditions that may impact credit risk.
• Assist in the review and refinement of credit scoring models and lending policies.

Conoscenze

Financial statement analysis

Ratio analysis

Credit risk assessment

Excel modeling

Analytical thinking

Communication

Formazione

Bachelor's degree in Finance/Accounting/Economics or related field

Strumenti

Microsoft Excel

Descrizione del lavoro

About the Role

Our client, a reputable financial services provider, is seeking a diligent Credit Analyst to join their team in Queenstown, Eastern Cape . This role is vital in assessing the creditworthiness of individuals and businesses, analyzing financial data, and making recommendations for credit facilities. The Credit Analyst will play a key part in mitigating risk for the organization while supporting its lending objectives. The position requires strong analytical skills, meticulous attention to detail, and a solid understanding of financial principles. This role operates on a Hybrid basis, combining the benefits of remote work with essential in-office collaboration. Join a supportive team dedicated to responsible lending and financial growth.

Key Responsibilities

• Evaluate loan applications and assess the credit risk of potential borrowers (individuals and businesses).
• Analyze financial statements, credit reports, and other relevant data to determine creditworthiness.
• Prepare detailed credit reports and recommendations for loan approval or rejection.
• Monitor existing loan portfolios for signs of distress and adherence to credit terms.
• Ensure compliance with the organization's credit policies and regulatory requirements.
• Develop and maintain financial models to forecast borrower repayment capacity.
• Communicate with clients and internal stakeholders to gather necessary information and explain credit decisions.
• Stay informed about industry trends and economic conditions that may impact credit risk.
• Assist in the review and refinement of credit scoring models and lending policies.

Requirements

• Bachelor's degree in Finance, Accounting, Economics, or a related quantitative field.
• 2-4 years of experience in credit analysis, lending, or a related financial role.
• Strong understanding of financial statement analysis, ratio analysis, and credit scoring principles.
• Proficiency in Microsoft Excel for financial modeling and data analysis.
• Excellent analytical, problem-solving, and decision-making skills.
• Good written and verbal communication skills.
• Ability to manage multiple tasks and meet deadlines.
• Familiarity with credit underwriting standards and regulatory compliance is a plus.
• Comfortable working in a Hybrid work environment in Queenstown, Eastern Cape .

Benefits

• Competitive salary and potential for performance-based increases.
• Comprehensive medical aid and retirement fund contributions.
• Opportunities for professional development and training in credit risk management.
• A supportive team environment focused on collaboration.
• Hybrid work model offering a balance between office and remote work.
• Generous annual leave.
• Employee assistance program.