Credit Analyst

Old Mutual Limited; Cape Town; On-site; ZAR 700,000 - 1,000,000; Full time

Job summary

Old Mutual Limited is seeking a mid-level Credit Investment Analyst to lead complex credit analyses and support investment decisions across the GCI portfolio. The role emphasizes risk assessment, market research, and collaboration with asset managers.

You will monitor credit risk, prepare reports for committees, and help develop credit policies while staying compliant with regulations and internal standards.

Qualifications

• BCom m, BBusSci or equivalent qualification.
• CA(SA) with 2-3 years post articles experience.
• CFA will be a distinct advantage.
• Current, relevant knowledge of credit investments across unlisted and fixed income instruments.

Responsibilities

• Analyse financial statements, credit reports, and other relevant data to assess the creditworthiness of potential credit transactions.
• Prepare detailed credit analysis reports and make recommendations to the Group Credit Committee(s) regarding transactions.
• Monitor existing credit transactions for changes in credit risk and update risk and credit ratings as necessary; communicate views with internal stakeholders.
• Prepare market and industry research.
• Review and negotiation of legal documents for approved investments.
• Maintain knowledge of industry trends, economic conditions, and regulations affecting credit risk.
• Assist in development and implementation of credit policies and procedures.
• Ensure compliance with internal policies and external regulations.
• Assist in development and improvement of internal ratings scorecards.
• Provide credit and investment expertise for restructuring of transactions.
• Engage with asset managers to source unlisted opportunities and present views to mandate owners.
• Assist with valuation of assets when required.
• Transform data into actionable business intelligence; optimize processes.
• Plan and prioritize work to meet commitments; establish and monitor results.

Skills

Accounting

Action Planning

Analytics Software

Budget Management

Client Management

Computer Literacy

Data Classification

Data Compilation

Evaluating Information

Financial Acumen

Oral Communications

Policies & Procedures

Professional Presentation

Education

BComm, BBusSci or equivalent qualification

CA(SA) with 2-3 years post articles experience

CFA will be a distinct advantage

Tools

Analytics Software

Job description

Let’s Write Africa’s Story Together!

Old Mutual is a firm believer in the African opportunity and our diverse talent reflects this.

Job Description

Role Details:
The credit investment analyst is a mid-level role responsible for leading and executing complex credit investment analysis, making sound financial decisions, and driving business value through strategic insight, process optimization, and effective communication. The Group Credit Investment (“GCI”) Credit Analyst will be responsible for assessing and monitoring the creditworthiness of the assets within scope of the GCI investment credit portfolio. The Credit Analyst will play a key role in supporting investment decisions, managing risk, and preserving the strength of the Shareholder Investment Credit Portfolio.

Key Result Areas:

• Analyse financial statements, credit reports, and other relevant data to assess the creditworthiness of potential credit transactions.

• Prepare detailed credit analysis reports and make recommendations to the Group Credit Committee(s) regarding transactions.

• Monitor existing credit transactions for changes in credit risk and update risk and credit ratings as necessary. The role will require regular, timely and effective communication of views, events and recommendations with key internal stakeholders.

• Prepare appropriate and insightful market and industry research.

• Review and negotiation of legal documents for approved investments.

• Maintain up-to-date knowledge of industry trends, economic conditions, and relevant regulations affecting credit risk.

• Assist in the development and implementation of credit policies and procedures.

• Ensure compliance with internal policies and external regulations.

• Assist in the development and improvement of internal ratings scorecards.

• Provide input aimed at enhancing existing processes and capabilities.

• Provide credit and investment expertise for any restructuring of transactions.

• Ongoing engagement with GCI’s mandated asset managers to manage the existing mandates and ensure the sourcing of suitable unlisted asset opportunities. Present credit and investment views to the mandate owners and ensure the ongoing adherence to the prescribed credit mandate.

• Assist with valuation of assets where required.

• Transform financial data into actionable business intelligence.

• Optimize work processes for efficiency and effectiveness.

• Plan and prioritize work to meet commitments aligned with organizational goals.

• Establish and monitor processes for measuring results.

Qualifications, Skills and Experience:

• B Comm, B Bus Sci or equivalent qualification.

• CA(SA) with 2-3 years of relevant post articles experience.

• CFA will be a distinct advantage.

• Current, relevant knowledge of credit investments across unlisted and fixed income instruments.

Competencies:

• Team player.

• Highly professional approach.

• Excellent attention to detail.

• Excellent planning and organisational skills.

• Excellent technical and analytical skills.

• Problem solver.

• Strong communication skills (written and oral).

• Ability to work well both independently and within a team.

• Strong commercial focus.

• Client service orientated.

• Ability to work under pressure and manage multiple deliverables.

• Business insight.

• Manages complexity.

Skills

Accounting, Action Planning, Analytics Software, Budget Management, Client Management, Computer Literacy, Data Classification, Data Compilation, Evaluating Information, Financial Acumen, Oral Communications, Policies & Procedures, Professional Presentation

Competencies

Business Insight

Communicates Effectively

Courage

Decision Quality

Ensures Accountability

Financial Acumen

Instills Trust

Manages Complexity

Education

NQF Level 9 – Masters

Closing Date

25 October 2026 , 23:59

The appointment will be made from the designated group in line with the Employment Equity Plan of Old Mutual South Africa and the specific business unit in question.

The Old Mutual Story!