Credit Analyst

Red Ember Recruitment (PTY) Ltd; Johannesburg; On-site; ZAR 420,000 - 560,000; Full time

Job summary

Red Ember Recruitment (PTY) Ltd is seeking a Credit Analyst in Johannesburg to assess risk and evaluate creditworthiness of clients. You will gather and analyse financial data, prepare credit reports, and collaborate with the credit committee to make informed decisions on credit lines.

The role requires a degree in Business/Accounting/Finance/Credit Risk, 3–5 years of relevant experience, and strong Excel skills. Code 8 licence and NCR/RE3/RE5 certificates are advantageous.

Qualifications

• Matric or higher.
• Degree or equivalent qualification in Business/Accounting/Finance/Credit Risk.
• Minimum 3–5 years’ experience in similar role.
• Strong Software Skills (Advanced Excel).
• Code 8 licence and NCR/RE3/RE5 certificates are required.

Responsibilities

• Gathers and analyses loan applicants' financial data to evaluate risk.
• Assesses creditworthiness of individuals, companies and institutions.
• Collaborates with credit committee to approve or decline finance.
• Makes recommendations about credit lines (increase, adjust, extend or close).
• Undertakes risk analysis using regional, sector-specific and environmental data.
• Prepares and presents credit reports.
• Monitors collateral compliance covenants.
• Ensures finance is concluded per company regulations.
• Analyses data to verify information.
• Helps update and improve credit rating criteria.
• Communicates credit decisions and policies to staff and applicants.
• Oversees document preparation and checking.

Skills

Credit analysis

Risk assessment

Financial data interpretation

Communication

Team collaboration

Interpersonal skills

Education

Matric

Degree in Business/Accounting/Finance/Credit Risk

NCR/RE3/RE5 certificates

Code 8 licence

Tools

Advanced Excel

Job description

Red Ember Recruitment (PTY) Ltd | Permanent

Credit Analyst

Johannesburg, South Africa | Posted on 09/09/2026

Red Ember Recruitment is currently recruiting for a Credit Analyst for their client in Johannesburg.

Gathers and analyses loan applicants' financial data to evaluate risk.

Assesses creditworthiness of individuals, companies and institutions.

Collaborates with other financial experts/ members of credit committee to approve or decline finance.

Makes recommendations about whether to increase, adjust, extend or close lines of credit.

Undertakes risk analysis using regional, sector-specific, environmental and other financial data.

Prepares and presents credit reports.

Aware of market trends

Monitors and adheres to collateral compliance covenants.

Ensures that all finance is concluded in adherence with company regulations.

Analyse data to verify information.

Helps to update and improve credit rating criteria

Communicates credit decisions and policies to fellow employees and credit applicants

Oversees or undertakes document preparation and checking

Requirements

Matric or higher

Degree or equivalent qualification in Business/Accounting/Finance/Credit Risk.

Minimum 3-5 years’ experience in similar role.

Strong Software Skills (Advanced Excel)

Code 8 licence

Candidatesmust have NCR, RE3 OR RE5 certificates

Confident and proactive approach-anticipate issues and requirements.

Ability to work independently and as part of a team in a fast-paced environment.

Strong interpersonal and customer service skills, including the ability to form and maintain business relationships

Strong organizational skills and attention to detail.