Senior Credit Analyst

Placements24; Queenstown; Ibrido; NZD 64.000 - 106.000; Tempo pieno

Vantaggi offerti da questo lavoro

Competitive salary

Medical aid and pension

Hybrid work arrangement

Growth opportunities

Exposure to diverse credit proposals

Supportive team environment

Descrizione del lavoro

Placements24 is recruiting a Senior Credit Analyst for a Queenstown, Eastern Cape-based role with hybrid work. You will assess loan applicants, analyze financial data, and support risk management across portfolios.

The ideal candidate has a 5+ year background in credit analysis, strong modeling skills, and knowledge of SA banking regulations. This role emphasizes accuracy, collaboration, and regulatory compliance.

Competenze

• Bachelor's degree in Finance, Economics, Accounting, or related field.
• Minimum of 5 years of experience in credit analysis or banking.
• Strong understanding of credit principles and financial statement analysis.
• Proficiency in financial modeling and analytical software.
• Excellent written and verbal communication skills.
• High level of attention to detail.
• Ability to manage multiple priorities and meet deadlines.
• Experience in a hybrid environment is beneficial.
• Knowledge of South African banking regulations is an advantage.
• Must be authorized to work in South Africa.

Mansioni

• Analyze financial statements, credit reports, and data to assess the credit risk of loan applicants.
• Prepare detailed credit reports and recommendations for loan approval or denial.
• Monitor the financial performance of existing borrowers and identify potential risks.
• Develop and maintain financial models to forecast borrower repayment capacity.
• Ensure compliance with internal credit policies, procedures, and regulatory guidelines.
• Work closely with loan officers and relationship managers to gather information and provide credit insights.
• Assist in the development and implementation of credit risk management strategies.
• Conduct industry and market research to support credit assessments.
• Advise on loan structuring and covenants to mitigate risk.
• Stay updated on credit markets and economic trends affecting loan portfolios.

Conoscenze

Credit analysis

Financial statement analysis

Risk assessment

Analytical thinking

Regulatory knowledge

Communication skills

Formazione

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

Strumenti

Financial modeling software

Descrizione del lavoro

About the Role

Our client, a respected name in the Banking & Finance industry, is actively recruiting a Senior Credit Analyst to join their team in Queenstown, Eastern Cape, ZA . This role is critical for assessing the creditworthiness of loan applicants, managing credit risk, and ensuring the soundness of the bank's loan portfolio. The position adopts a hybrid work model, balancing essential in-office collaboration with the flexibility of remote work. The ideal candidate will possess strong analytical skills, a keen eye for detail, and a thorough understanding of credit principles and financial statement analysis. You will be responsible for evaluating complex credit proposals, making informed recommendations, and contributing to the overall risk management strategy of the bank. This is an excellent opportunity to leverage your expertise in a challenging and rewarding environment, contributing to the financial health of the organization and its clients.

Key Responsibilities

• Analyze financial statements, credit reports, and other financial data to assess the credit risk of loan applicants.
• Prepare detailed credit reports and recommendations for loan approval or denial.
• Monitor the financial performance of existing borrowers and identify potential risks.
• Develop and maintain financial models to forecast borrower repayment capacity.
• Ensure compliance with internal credit policies, procedures, and regulatory guidelines.
• Work closely with loan officers and relationship managers to gather necessary information and provide credit insights.
• Assist in the development and implementation of credit risk management strategies.
• Conduct industry and market research to support credit assessments.
• Advise on loan structuring and covenants to mitigate risk.
• Stay updated on credit markets and economic trends affecting loan portfolios.

Requirements

• Bachelor's degree in Finance, Economics, Accounting, or a related field.
• Minimum of 5 years of experience in credit analysis, loan underwriting, or a related banking role.
• Strong understanding of credit principles, financial statement analysis, and risk assessment methodologies.
• Proficiency in financial modeling and analytical software.
• Excellent written and verbal communication skills, with the ability to present findings clearly.
• High level of attention to detail and accuracy.
• Ability to manage multiple priorities and meet deadlines.
• Experience working in a hybrid environment is beneficial.
• Knowledge of relevant South African banking regulations is an advantage.
• Must be authorized to work in South Africa.

Benefits

• Competitive salary and potential for annual bonuses.
• Comprehensive medical aid and pension fund.
• Hybrid work arrangement promoting work-life balance.
• Opportunities for professional growth and development.
• Exposure to a diverse range of credit proposals.
• Supportive team environment within a reputable financial institution.