Commercial Credit Analyst

Placements24; Rustenburg; On-site; ZAR 350,000 - 500,000; Full time

Benefits offered by this job

Competitive salary

Medical aid and retirement fund

Professional growth and training in信用風

Job summary

Placements24 in Rustenburg is seeking a diligent Commercial Credit Analyst to assess creditworthiness of commercial clients, analyze financial statements, and advise on loan applications.

You will manage a portfolio, monitor risk, ensure policy compliance, and collaborate with internal stakeholders in a traditional banking environment.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or a related field.
• 2+ years of experience in a Credit Analyst, Loan Officer, or similar credit risk role.
• Strong understanding of financial statement analysis and credit underwriting.
• Excellent analytical, research, and problem-solving skills.
• Proficiency in Microsoft Office Suite, particularly Excel.

Responsibilities

• Analyze financial statements, cash flow, collateral, and industry trends to assess credit risk.
• Prepare comprehensive credit reports and recommendations for loan committee review.
• Monitor loan portfolio for changes in credit quality and compliance issues.
• Develop and maintain relationships with clients and internal stakeholders.
• Ensure adherence to credit policies, procedures, and regulatory requirements.

Skills

Analytical skills

Communication

Credit risk analysis

Cash flow analysis

Education

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

Tools

Microsoft Excel

Job description

About the Role

Our client is seeking a diligent and astute Commercial Credit Analyst to join their established team in Rustenburg . In this crucial role, you will assess the creditworthiness of commercial clients, analyze financial statements, and make informed recommendations regarding loan applications and credit facilities. You will be responsible for managing a portfolio of commercial accounts, monitoring risk, and ensuring compliance with credit policies. This position is vital to the bank's risk management framework and requires a candidate with strong analytical acumen and a commitment to sound lending practices within a traditional office setting.

Key Responsibilities

• Analyze financial statements, cash flow, collateral, and industry trends to assess credit risk.
• Prepare comprehensive credit reports and recommendations for loan committee review.
• Monitor assigned loan portfolio for changes in credit quality and compliance issues.
• Develop and maintain strong relationships with clients and internal stakeholders.
• Ensure adherence to the bank's credit policies, procedures, and regulatory requirements.
• Identify potential risks and opportunities within the commercial loan portfolio.

Requirements

• Bachelor's degree in Finance, Accounting, Economics, or a related field.
• Proven experience (2+ years) as a Credit Analyst, Loan Officer, or in a similar credit risk role.
• Strong understanding of financial statement analysis, cash flow analysis, and credit underwriting principles.
• Excellent analytical, research, and problem-solving skills.
• Proficiency in Microsoft Office Suite, particularly Excel.
• Effective communication and interpersonal skills for client interaction and internal collaboration.

Benefits

• Competitive salary commensurate with experience.
• Comprehensive medical aid and retirement fund contributions.
• Opportunities for professional growth and specialized training in credit risk management.
• A stable and secure working environment in the heart of Rustenburg .
• Entitled to company pension fund and group life cover.