Credit Analyst

Placements24; George; Hybrid; ZAR 300,000 - 480,000; Full time

Benefits offered by this job

Hybrid work model

Bonuses

Medical benefits

Retirement plan

Learning opportunities

George locale

Job summary

Placements24 in George, Western Cape, invites applications for a Credit Analyst to assess borrower creditworthiness and manage facilities, balancing risk with portfolio profitability.

You will analyze financial data, prepare loan recommendations, monitor portfolios, and conduct market research while maintaining strong client and internal stakeholder relationships.

Qualifications

• Bachelor's degree in Finance, Economics, Business Administration, or related field.
• Strong understanding of financial analysis, risk assessment, and credit principles.
• Proficiency in Excel and financial software.
• Excellent communication and interpersonal abilities.

Responsibilities

• Analyze financial statements, credit reports, and data to assess credit risk.
• Prepare credit applications and recommendations for loan approval or rejection.
• Monitor loan portfolios for covenant compliance and potential risks.
• Conduct industry and market research to support credit decisions.
• Communicate with clients regarding financial requirements and credit decisions.

Skills

Credit analysis

Financial statement analysis

Risk assessment

Attention to detail

Communication skills

Education

Bachelor's degree in Finance, Economics, Business Administration, or related field

Tools

Excel

Financial software

Job description

About the Role

Our client, a leading financial services provider based in George , is looking for a diligent and insightful Credit Analyst to join their growing team. This position involves assessing the creditworthiness of potential borrowers and managing existing credit facilities to mitigate risk. You will play a vital role in the lending process, ensuring that the company's portfolio remains sound and profitable. This role offers a blend of analytical work and client interaction, providing a challenging yet rewarding career path in the financial sector within the beautiful Western Cape region.

Key Responsibilities

• Analyze financial statements, credit reports, and other financial data to assess credit risk.
• Prepare detailed credit applications and recommendations for loan approval or rejection.
• Monitor assigned loan portfolios for potential risks and covenant compliance.
• Conduct industry and market research to support credit decisions.
• Communicate with clients regarding financial requirements and credit decisions.
• Develop and maintain strong relationships with internal stakeholders and external clients.

Requirements

• Bachelor's degree in Finance, Economics, Business Administration, or a related field.
• Demonstrated experience as a Credit Analyst or in a similar lending-related role.
• Solid understanding of financial analysis, risk assessment, and credit principles.
• Proficiency in financial software and MS Office Suite, particularly Excel.
• Strong analytical and problem-solving skills with keen attention to detail.
• Effective communication and interpersonal skills.

Benefits

• Competitive compensation and performance bonuses.
• Hybrid work model offering flexibility.
• Comprehensive medical and retirement benefits.
• Continuous learning and professional development opportunities.
• Vibrant work culture in a scenic George location.