Commercial Credit Analyst: Drive Lending Decisions in Paarl

Placements24; Paarl; On-site; ZAR 480,000 - 720,000; Full time

Benefits offered by this job

Medical benefits

Retirement benefits

Professional development

Stable environment

Direct impact on credit decisions

Job summary

Placements24 in Paarl, Western Cape, is seeking a meticulous Commercial Credit Analyst to assess creditworthiness of commercial clients and analyze financial statements. The role involves preparing credit reports, evaluating risks, and advising on loan terms within a bank setting.

The ideal candidate has a finance-related degree and 2–4 years in credit analysis or commercial lending, with strong Excel skills and a detail-oriented, analytical mindset. Office-based position at the Paarl branch.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or a related business field.
• 2-4 years of experience in credit analysis, commercial lending, or financial analysis within Banking & Finance.
• Strong knowledge of financial statement analysis, ratio analysis, and cash flow forecasting.

Responsibilities

• Analyze financial statements, cash flow projections, and credit histories of commercial loan applicants.
• Prepare comprehensive credit reports and financial analyses to support lending decisions.
• Assess and quantify credit risks, providing clear recommendations on loan terms, structure, and covenants.
• Monitor the financial performance of existing commercial loan clients and identify potential risks.
• Ensure compliance with the bank's credit policies, procedures, and regulatory requirements.
• Collaborate closely with relationship managers to understand client needs and provide credit solutions.
• Perform industry and market analysis to support credit assessments.
• Assist in the review and approval process for commercial credit facilities.
• Maintain accurate and organized credit files.

Skills

Financial analysis

Credit risk assessment

Cash flow forecasting

MS Excel

Communication skills

Education

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

Tools

MS Excel

Job description

Placements24 in Paarl, Western Cape, is seeking a meticulous Commercial Credit Analyst to assess creditworthiness of commercial clients and analyze financial statements. The role involves preparing credit reports, evaluating risks, and advising on loan terms within a bank setting.

The ideal candidate has a finance-related degree and 2–4 years in credit analysis or commercial lending, with strong Excel skills and a detail-oriented, analytical mindset. Office-based position at the Paarl branch.