Credit Analyst

Quest; Cape Town; On-site; ZAR 200 000 - 300 000; Part time

Job summary

A leading financial services company in Stellenbosch is seeking a Credit Risk Analyst/Credit Manager for a 3-month contract. The ideal candidate will have 5-7 years of experience in credit risk analysis and financial statement review. Responsibilities include conducting financial analyses, building credit profiles, and advising on risk mitigation tools like bank guarantees. Strong analytical skills and familiarity with trade finance are essential.

Qualifications

• 5-7 years' experience, including 2-3+ years directly in credit risk analysis or trade finance.
• Advanced skills in financial statement analysis, risk scoring, and exposure management.
• Strong judgment, analytical mindset, and stakeholder communication.

Responsibilities

• Conduct deep financial analysis of customer accounts across Africa & international markets.
• Build detailed credit risk profiles and recommend credit limits that balance opportunity with exposure.
• Determine when risk mitigation tools like bank guarantees or letters of credit are necessary.
• Present credit recommendations and risk insights to senior leadership.
• Continuously improve internal credit risk frameworks, controls, and policies.

Skills

Credit analyst

Financial statements

Credit risk

Credit management

Education

Degree in Finance, Accounting, Economics or related

CFA, CPA, CIMA, or Credit Risk certification

Tools

SAP

Oracle

Moody's Analytics

Job description

We're Hiring: Credit Risk Analyst / Credit Manager - Trade Finance & International Markets

Location: Stellenbosch (No relocations will be considered)

Duration: 3 months contract (non-negotiable)

Experience: 5-7 years | Focus: Credit Risk, Financial Analysis, Trade Finance

Salary: [URL Removed] per hour. . .R36 544 per month

We're looking for a finance professional with deep expertise in credit risk assessment - not just collections or credit control.

If you're passionate about analysing customer financials, understanding risk exposures, and structuring solutions like bank guarantees and trade finance instruments, this role is for you.

Please note: This is not a credit control or collections role. We're seeking candidates with hands‑on experience in credit risk analysis, financial statement review, and strategic risk management.

What You'll Do

• Conduct deep financial analysis of customer accounts across Africa & international markets.
• Build detailed credit risk profiles and recommend credit limits that balance opportunity with exposure.
• Determine when risk mitigation tools like bank guarantees or letters of credit are necessary—and work directly with our banking partners.
• Present credit recommendations and risk insights to senior leadership.
• Continuously improve internal credit risk frameworks, controls, and policies.

What You'll Bring

• Degree in Finance, Accounting, Economics or related (CFA, CPA, CIMA, or Credit Risk certification is a plus).
• 5‑7 years' experience, including 2‑3+ years directly in credit risk analysis or trade finance.
• Advanced skills in financial statement analysis, risk scoring, and exposure management.
• Familiarity with bank guarantees, trade finance instruments, and ERP tools like SAP, Oracle, or Moody's Analytics.
• Strong judgment, analytical mindset, and stakeholder communication.

Desired Skills

• Credit analyst
• financial statements
• credit risk
• credit management