Agricultural Credit Analyst — Risk & Deal Structuring Lead

Merchant West; Pretoria; On-site; ZAR 420,000 - 620,000; Full time

Job summary

Merchant West is seeking a Credit Analyst for Agriculture to assess credit risk, analyse financial statements, cashflows, and risk indicators, and provide well-structured recommendations.

You will work with business units, support committees, mentor junior analysts, and ensure governance and compliance in a dynamic lending environment. This role emphasizes agricultural lending, deal structuring, and portfolio quality.

Qualifications

• Bachelor's degree in Finance, Accounting, Agricultural Economics, or a related field.
• Postgraduate qualification in Finance, Accounting, or Risk Management would be advantageous.
• 3-5 years credit/banking experience in Agricultural credit analysis.

Responsibilities

• Conduct credit risk assessment and detailed financial analysis of transactions.
• Evaluate financial statements, cash flows and risk indicators to determine creditworthiness.
• Prepare high-quality credit recommendations for approval and support credit committees.
• Support deal structuring to balance objectives with risk requirements.
• Ensure adherence to credit policies, procedures and governance frameworks.
• Mentor junior credit analysts and improve consistency of analyses.

Skills

Financial statement analysis

Credit risk evaluation

Communication with farmers

Deal structuring

Credit submissions

Presentation to Credit Committee

Education

Bachelor's degree in Finance/Accounting/Agricultural Economics

Postgraduate qualification in Finance/Accounting/Risk Management

Job description

Merchant West is seeking a Credit Analyst for Agriculture to assess credit risk, analyse financial statements, cashflows, and risk indicators, and provide well-structured recommendations.

You will work with business units, support committees, mentor junior analysts, and ensure governance and compliance in a dynamic lending environment. This role emphasizes agricultural lending, deal structuring, and portfolio quality.