Credit Analyst

Network Recruitment International; Pretoria; On-site; ZAR 900,000 - 1,200,000; Full time

Job summary

Network Recruitment International is seeking an Agricultural Credit Analyst to join our client's credit team in South Africa. You will conduct comprehensive credit risk assessments, analyse farming-related financial statements, and structure lending solutions for complex agricultural transactions.

You will present well-reasoned credit submissions to committees, collaborate with internal stakeholders, and mentor junior analysts while ensuring adherence to governance frameworks.

Qualifications

• Detailed credit risk assessments based on financial information.
• Ability to analyse statements and cash flows to determine creditworthiness.
• Experience presenting complex credit structures to committees.

Responsibilities

• Conduct comprehensive credit and financial risk assessments.
• Analyse financial statements, cash flows, and risk indicators to determine creditworthiness.
• Identify transaction risks and recommend mitigation strategies.
• Prepare detailed credit recommendations for approval and support credit committees.
• Assist in structuring transactions balancing commercial objectives and risk.

Skills

Credit risk analysis

Financial statement analysis

Agricultural cash flows

Stakeholder communication

Credit submission

Education

Bachelor’s in Finance/Accounting/Agricultural Economics

Postgraduate qualification in Finance/Risk Management

Job description

If you’re passionate about agriculture, have a sharp eye for credit risk, and enjoy structuring sound lending solutions, this Credit Analyst opportunity could be your next career move. Join a respected financial services organisation where credit excellence, commercial judgement, and relationship-driven decision-making are at the heart of the business.

Our client, a leading player within the financial services sector, is seeking an experienced Agricultural Credit Analyst to join their credit team.

This role is responsible for conducting detailed credit risk assessments, analysing financial information, and providing high-quality credit recommendations that support informed lending decisions. The successful candidate will work closely with internal stakeholders to structure transactions, identify key risks, and ensure compliance with established governance frameworks.

This is an exciting opportunity for a commercially minded professional who understands agricultural operations, enjoys working with complex transactions, and can confidently engage with both farming clients and senior decision-makers.

Key Responsibilities

• Conduct comprehensive credit and financial risk assessments.
• Analyse financial statements, cash flows, and key risk indicators to determine creditworthiness.
• Identify transaction risks and recommend appropriate mitigation strategies.
• Prepare detailed and well-reasoned credit recommendations for approval.
• Support credit committees with insightful and structured credit submissions.
• Assist in structuring transactions that balance commercial objectives and risk requirements.
• Collaborate with business units to deliver viable financing solutions.
• Ensure adherence to credit policies, procedures, and governance frameworks.
• Maintain accurate documentation and audit trails.
• Provide support and mentorship to junior analysts.
• Contribute to the continuous improvement of credit analysis standards and quality.

Job Experience and Skills Required

• Bachelor's Degree in Finance, Accounting, Agricultural Economics, or a related field.
• Postgraduate qualification in Finance, Accounting, or Risk Management will be advantageous.
• 3-5 years' experience in agricultural credit analysis and/or banking.
• Strong understanding of financial statement analysis and credit risk evaluation.
• Ability to assess farming operations and agricultural cash flows.
• Experience interacting and communicating with agricultural clients.
• Understanding of agricultural sector risks and deal structuring principles.
• Ability to present and motivate complex credit transactions to stakeholders and committees.
• Strong report writing and credit submission skills.

Competency Requirements

• Strong analytical thinking and problem-solving ability.
• Exceptional attention to detail and accuracy.
• Excellent communication and presentation skills.
• Commercial acumen and sound judgement.
• Ability to develop relationships with internal stakeholders and clients.
• Strong organisational and time management skills.
• Ability to work independently while contributing to team success.