Credit Analyst

Placements24; Bloemfontein; Hybrid; ZAR 300,000 - 600,000; Full time

Benefits offered by this job

Competitive salary

Medical benefits

Retirement benefits

Professional development

Hybrid work model

Job summary

Placements24 is seeking a sharp and analytical Credit Analyst in Bloemfontein to assess creditworthiness for potential and existing clients. You will conduct in-depth financial analysis, evaluate risk, and recommend credit actions in a hybrid work setting.

The role emphasizes strong analytical ability, familiarity with credit principles, and the ability to prepare detailed credit reports for loan committees and management.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or related field.
• 2–4 years of experience in credit analysis, lending, or related financial role.
• Proficiency in financial statement analysis and credit scoring models.
• Strong understanding of credit principles and risk assessment techniques.
• Excellent analytical, communication, and organizational skills, suited for a hybrid work environment.

Responsibilities

• Analyze financial statements, credit reports, and other financial data to assess the credit risk of individuals and businesses.
• Prepare detailed credit reports and recommendations for loan committees and management.
• Monitor existing loan portfolios for changes in credit quality and compliance.
• Ensure adherence to the company's credit policies and regulatory requirements.
• Collaborate with relationship managers to understand client needs and financial standing.

Skills

Credit analysis

Financial statement analysis

Credit scoring

Risk assessment

Analytical skills

Communication skills

Education

Bachelor's degree in Finance

Bachelor's degree in Accounting

Bachelor's degree in Economics

Job description

About the Role

Our client is seeking a sharp and analytical Credit Analyst to join their team in Bloemfontein . This role is integral to assessing the creditworthiness of potential and existing clients, ensuring the financial health of the institution. You will conduct in-depth financial analysis, evaluate risk, and make recommendations on credit applications. This hybrid position offers a balanced approach to work, combining office-based collaboration with remote flexibility. If you have a keen eye for financial detail and a strong understanding of credit principles, this role offers a solid career path.

Key Responsibilities

• Analyze financial statements, credit reports, and other financial data to assess the credit risk of individuals and businesses.
• Prepare detailed credit reports and recommendations for loan committees and management.
• Monitor existing loan portfolios for changes in credit quality and compliance.
• Ensure adherence to the company's credit policies and regulatory requirements.
• Collaborate with relationship managers to understand client needs and financial standing.

Requirements

• Bachelor's degree in Finance, Accounting, Economics, or a related field.
• 2-4 years of experience in credit analysis, lending, or a related financial role.
• Proficiency in financial statement analysis and credit scoring models.
• Strong understanding of credit principles and risk assessment techniques.
• Excellent analytical, communication, and organizational skills, suited for a hybrid work environment.

Benefits

• Competitive salary and potential performance-based incentives.
• Comprehensive medical and retirement benefits.
• Opportunities for professional development and industry certifications.
• A stable work environment with opportunities for career growth in Bloemfontein .
• Hybrid work model offering a balance between office and remote work.