Agricultural Credit Analyst - Risk, Structuring & Growth

Merchant West; Gauteng; Sur place; ZAR 520 000 - 860 000; Plein temps

Résumé du poste

Merchant West seeks a Credit Analyst for Agriculture to assess credit risk and provide high-quality recommendations on agricultural transactions, supporting sound lending decisions. You will analyse financial statements, cash flows and sector risks while aligning with credit policies and governance frameworks.

You will mentor junior analysts, collaborate with business units to structure viable deals, and prepare clear submissions for credit committees, balancing commercial objectives with risk

Qualifications

• Bachelor's degree in finance-related field required.
• Postgraduate qualification in Finance/Accounting or Risk Management advantageous.
• 3–5 years credit/banking experience in agricultural credit analysis.

Responsabilités

• Credit Risk Assessment and Analysis: conduct detailed financial analysis and risk assessment of agricultural transactions.
• Credit Recommendation and Approval Support: prepare high-quality recommendations for approval and align submissions with policy.
• Deal Structuring and Transaction Support: assist in structuring transactions balancing commercial objectives with risk requirements.
• Credit Governance and Compliance: ensure adherence to policies, procedures and governance frameworks; maintain audit trails.
• Mentorship and Team Support: guide junior analysts and improve consistency of credit analysis across the team.

Connaissances

Financial statement analysis

Agricultural cashflows

Farmer communications

Risk mitigation through structuring

Credit committee explanations

Credit submissions quality

Formation

Bachelor’s degree in Finance/Accounting/Agricultural Economics

Postgraduate qualification in Finance/Accounting or Risk Management

Description du poste

Merchant West seeks a Credit Analyst for Agriculture to assess credit risk and provide high-quality recommendations on agricultural transactions, supporting sound lending decisions. You will analyse financial statements, cash flows and sector risks while aligning with credit policies and governance frameworks.

You will mentor junior analysts, collaborate with business units to structure viable deals, and prepare clear submissions for credit committees, balancing commercial objectives with risk