Agriculture - Junior To Mid-Level Credit Analyst

27Four Investment Managers; Cape Town; On-site; ZAR 200 000 - 300 000; Full time

Job summary

An innovative financial services firm in Cape Town is seeking a motivated Junior to Mid-Level Credit Analyst to support sustainable projects in agriculture. You will conduct credit reviews, build financial models, and collaborate on deal structuring. Ideal candidates will possess a Bachelor's degree and 1-3 years of relevant experience in credit analysis or financial services. Join a forward-thinking team making a significant impact in sustainable finance.

Qualifications

• 1–3 years' experience in credit analysis, risk management, or financial services preferred.
• Exposure to agriculture, project finance, or sustainability-linked lending is advantageous.

Responsibilities

• Conduct in-depth credit reviews of borrowers and projects.
• Support building and maintaining financial models and credit risk tools.
• Collaborate with senior analysts on structuring term sheets and loan agreements.
• Monitor portfolio companies, updating financial indicators and compliance.
• Prepare draft credit reports and risk summaries.
• Research macroeconomic and sector-specific trends impacting agricultural lending.

Skills

Analytical mindset

Attention to detail

Team player

Education

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

Job description

Junior to Mid-Level Credit Analyst(Agrarian Sustainable Finance | Cape Town)Agrarius, a pioneering JSE-listed sustainability-linked debt issuer within South Africa's agricultural sector and managed by27four Investment Managers, seeks a motivatedJunior to Mid-Level Credit Analystto join its credit risk and deal assessment team.

The successful candidate will play a critical supporting role in funding sustainable projects across the agricultural value chain, while helping ensure robust credit risk management and deal execution in a dynamic, impact-driven environment.

About 27four Investment Managers

27four Investment Managers is a diversified financial services group specializing in innovative investment solutions for institutional and individual clients.

• , the firm has built a strong reputation for its ability to deliver sustained capital growth through strategic asset allocation, risk management, and alternative investment strategies.The company offers a broad range of services, including fiduciary management, private equity, private debt, quantitative strategies and global investment solutions.

With a focus on creating long-term value, 27four partners with clients to navigate complex financial markets while optimizing returns.

Its expertise extends across multiple asset classes and geographies, making it a trusted partner for investors seeking tailored solutions that align with their financial goals.

About Agrarius

Agrarius Sustainability Engineered (RF) Limited is one of the innovative products managed by 27four Investment Managers.

Agrarius is a Johannesburg Stock Exchange (JSE)-listed debt issuer that specializes in sustainability-linked investments within the agricultural sector.

It operates under a R10 billion asset-backed note program, issuing floating-rate debt instruments tied to sustainability performance targets.

These instruments fund projects across the agricultural value chain, including farming, agri-processing, and distribution.

Key Responsibilities

Credit Analysis & Due Diligence : Assist in conducting in-depth credit reviews of potential borrowers and projects, evaluating financial statements, cash flow profiles, and business plans, with a focus on the agricultural sector's unique risks and opportunities.
Data Collection & Financial Modeling : Support the building and maintenance of financial models and credit risk tools to identify key risk factors and exposure for new and existing transactions.
Deal Support : Collaborate with senior analysts to structure term sheets and loan agreements in line with Agrarius' sustainability objectives and risk appetite.
Participate in preparing and reviewing deal documentation and compliance checklists.
Portfolio Monitoring : Help monitor portfolio companies, updating financial performance indicators, tracking compliance with credit agreements, and flagging any credit deterioration or sustainability metric deviations.
Reporting : Prepare draft credit reports, risk summaries, and periodic updates for the investment and credit committees.
Market Research : Conduct research into macroeconomic, sector-specific, and regulatory trends that impact agricultural lending and sustainability-linked bond performance.
Stakeholder Coordination : Liaise with internal teams (legal, origination, operations) as well as borrowers, auditors, and external reviewers to aid credit process workflow and information collection.

Core Competencies

• Analytical mindset with an ability to understand financial statements and risk indicators.
• Eagerness to develop skills in project finance, credit risk, and agricultural economics.
• High attention to detail and accuracy in reporting.
• Sound written and verbal communication.
• Team player with a willingness to learn from senior credit and investment professionals.

Qualifications & Experience

Bachelor's degree in Finance, Accounting, Economics, Agriculture, or a related field (Honours preferred).

1–3 years' experience in credit analysis, risk management, or financial services preferred; exposure to agriculture, project finance, or sustainability-linked lending is advantageous.

Success Criteria

Timely and accurate analytical work supporting credit decisions and deal structuring.
Quality participation in due diligence, documentation support, and ongoing monitoring tasks.
Contribution to portfolio performance tracking and risk mitigation.
Evidence of learning and professional growth in agricultural finance and sustainability-linked investment.

Why Join Agrarius & 27four?

Work in a forward-thinking teamdriving innovative sustainable finance solutions in South Africa's vital agricultural sector.

Participate in groundbreaking projects that support climate-smart agriculture, economic transformation, and financial innovation, while building a career in credit risk and impact investing with industry leaders.

This role offers a unique opportunity togrow analytical and sectoral expertiseat the intersection of sustainability, finance, and agriculture.