Credit Analyst

redember-recruitment; Johannesburg; On-site; ZAR 360,000 - 520,000; Full time

Job summary

Red Ember Recruitment is seeking a Credit Analyst for a client in Johannesburg. The role involves gathering and analysing loan applicants' financial data to evaluate risk and assess creditworthiness for individuals, companies and institutions.

The successful candidate will collaborate with the credit committee to approve or decline finance, prepare and present credit reports, and ensure adherence to company regulations while updating credit rating criteria.

Qualifications

• Matric or higher degree in Business/Accounting/Finance/Credit Risk.
• Minimum 3-5 years’ experience in similar role.
• Advanced Excel skills and proficiency with financial modelling.
• Must have NCR, RE3 or RE5 certificates.
• Code 8 driver's license is required.
• Strong written and verbal English communication.

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 and terms.
• Performs risk analysis using regional, sector-specific and environmental data.
• Prepares and presents credit reports and conducts QA reviews.
• Communicates decisions and policies to staff and applicants.
• Ensures compliance with company regulations and document checks.

Skills

Advanced Excel

Interpersonal skills

Team player

Independent worker

Education

Degree in Business/Accounting/Finance/Credit Risk

Tools

Excel

Job description

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. Completes quality assurance reviews. 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
• Candidates must 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.
• Must be a team player
• Read and write in English