Credit Analyst

PTY; Johannesburg; On-site; ZAR 350,000 - 550,000; Full time

Job summary

Red Ember Recruitment (PTY) Ltd in Johannesburg seeks a Credit Analyst to evaluate risk by gathering financial data and assessing creditworthiness. You will collaborate with the credit committee to approve or decline finance and prepare credit reports for management.

The role requires 3–5 years in a similar position, strong Excel skills, a Code 8 licence, and NCR/RE3 or RE5 certificates. You will join a fast-paced team focused on sound risk practices.

Qualifications

• Matric or higher.
• Degree or equivalent in Business/Accounting/Finance/Credit Risk.
• Minimum 3–5 years’ experience in a similar role.
• Must have NCR, RE3 or RE5 certificates.
• Strong Advanced Excel skills.

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 line adjustments.
• Performs risk analysis using market, sector-specific, environmental data.
• Prepares and presents credit reports.
• Monitors collateral covenants and compliance.
• Ensures finance complies with company regulations.
• Analyzes data to verify information.
• Communicates credit decisions and policies to staff and applicants.
• Oversees document preparation and checking.

Skills

Advanced Excel

Education

Matric or higher

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

NCR certificate

RE3 or RE5 certificate

Tools

Code 8 licence

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.