Credit Analyst - Corporate Banking

Placements24; Sandton; Hybrid; ZAR 480,000 - 620,000; Full time

Benefits offered by this job

Bonuses

Medical & retirement benefits

Professional development

Hybrid work arrangement

Job summary

Placements24 is seeking a highly analytical Credit Analyst for our corporate banking division in Sandton. This hybrid role focuses on evaluating creditworthiness of corporate clients and preparing detailed credit proposals.

You will analyze financial statements, forecast cash flows, and monitor covenant compliance while collaborating with relationship managers to tailor credit solutions. The ideal candidate has 3–5 years of credit analysis experience, strong analytical skills, and excellent

Qualifications

• Bachelor’s degree in Finance, Economics, Accounting, or related quantitative field.
• 3–5 years of credit analysis or corporate finance experience.
• Strong financial statement analysis and cash flow forecasting skills.
• Proficiency with financial modeling tools and databases.
• Excellent communication and analytical abilities; capable of hybrid work.

Responsibilities

• Analyze financial statements for corporate clients including cash flow and balance sheets.
• Assess credit risk across financial, operational, and market factors.
• Prepare credit reports and recommendations for approvals.
• Monitor borrower performance and covenant compliance.
• Stay informed on industry trends and regulatory changes.
• Collaborate with relationship managers to structure credit solutions.

Skills

Financial statement analysis

Cash flow forecasting

Credit risk assessment

Analytical thinking

Communication skills

Education

Bachelor's degree in Finance, Economics, or Accounting

Tools

Financial modeling tools

Databases

Job description

About the Role

Our client is seeking a highly analytical Credit Analyst to join their corporate banking division in Sandton. This hybrid role is essential for assessing the creditworthiness of potential and existing corporate clients, ensuring the bank manages risk effectively. You will be responsible for in-depth financial analysis, risk assessment, and preparing comprehensive credit proposals. This position offers a challenging and rewarding career path for individuals with a strong financial acumen and a keen eye for detail, operating within a sophisticated financial market.

Key Responsibilities

• Conduct thorough financial statement analysis for corporate clients, including cash flow, profitability, and balance sheet assessments.
• Perform comprehensive credit risk assessments, evaluating financial, operational, and market risks.
• Prepare detailed credit reports and recommendations for loan origination and credit limit approvals.
• Monitor the financial performance of existing corporate borrowers and ensure compliance with loan covenants.
• Stay abreast of industry trends, economic conditions, and regulatory changes impacting credit risk.
• Collaborate with relationship managers to understand client needs and structure appropriate credit solutions.

Requirements

• Bachelor's degree in Finance, Economics, Accounting, or a related quantitative field.
• Minimum of 3-5 years of experience in credit analysis, corporate finance, or banking operations.
• Strong understanding of financial statement analysis, ratio analysis, and cash flow forecasting.
• Proficiency in using financial modeling tools and databases.
• Excellent analytical, critical thinking, and problem-solving skills.
• Strong written and verbal communication skills, comfortable in a hybrid work setting.

Benefits

• Competitive salary and potential for performance-based bonuses.
• Comprehensive medical and retirement benefits.
• Opportunities for professional development and training in credit risk management.
• Exposure to a wide range of corporate clients and industries.
• A dynamic work environment offering flexibility with hybrid arrangements.