Credit Analyst Head Office

Land Bank; Gauteng; On-site; ZAR 200 000 - 300 000; Full time

Job summary

A specialist agricultural bank in South Africa is seeking a Credit Analyst to conduct quality credit assessments, manage credit risk for a portfolio of agri-business clients, and perform detailed financial analyses. The role requires strong skills in financial statement preparation and banking analysis, ensuring robust credit submissions aligned with credit policies. Ideal candidates will bring experience in financial analysis and a commitment to supporting sustainable agricultural practices.

Qualifications

• Experience in financial statement preparation and credit analysis.
• Strong math and banking analysis skills.
• Ability to conduct detailed financial analysis and reporting.

Responsibilities

• Carry out quality credit assessments for agri-business clients.
• Manage credit risk of assigned portfolio effectively.
• Perform financial and data analysis for quality credit submissions.

Skills

Financial Statement Preparation

Credit Analysis

Cash Flow Analysis

Math

Banking Analysis Skills

UCC Law

Underwriting

Financial Analysis

Financial Modeling

Financial Report Interpretation

Word Processing

Job description

Job Advert Summary(Land Bank) is South Africas only specialist agricultural bank established in **** the banks sole objective is to serve South African commercial and emerging farmers and bring specially designed financial services within their reach.

These services enable farmers to finance land equipment improve assets and obtain production credit.

The Land Bank provides financial services that have moved with the times and continues to provide services to agri-business and constantly reviews its offerings to ensure that they match the needs of an industry.

As change has swept across the sector in South Africa the socio-economic makeup of agriculture has altered bringing new entrants from historically disadvantaged backgrounds on to the land these new farmers facing the challenges of establishing sustainable agri-businesses across the agricultural value chain Land Bank has been a commercial lifeline offering appropriately designed financial products that facilitate personal and commercial viability in a sector that is vital to the sustainability of South Africa and its people.

Main Purpose of the Job

Carry out quality credit assessment present bankable solutions and manage the credit risk of a portfolio of clients in the Agri-business value chain in the designated regional Office.

To manage and perform quality credit analysis; financial analysis including data collection trend analysis peer comparisons and industry overview to ensure good quality credit submissions to Credit Managers and Credit Committees for the allocated portfolio i.e. Commercial and Transformation Credit applications and mitigate any potential risk on behalf of the Land Bank and recommend bankable solutions in accordance with approved Credit Policy norms and the delegated level of power.

Responsible for maintain the portfolio including conducting annual credit reviews on existing portfolio and re-advancing of production loans and revolving loans within assigned DOP and as when required by management.

Key Skills

• Financial Statement Preparation
• Credit Analysis
• Cash Flow Analysis
• Math
• Banking Analysis Skills
• UCC Law
• Underwriting
• Financial Analysis
• Financial Modeling
• Financial Report Interpretation
• Word Processing

Required Experience : ICEmployment Type : Full-TimeExperience : yearsVacancy : 1

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