Credit Analyst - Isando

Headhunters; Gauteng; Presencial; ZAR 350.000 - 600.000; Jornada completa

Descripción de la vacante

Headhunters seeks an experienced Credit Risk professional in Gauteng to assess credit risk, analyse financials and support IFRS 9/EC loss calculations. You will prepare memoranda, oversee credit exposure, and engage in risk classification and governance for corporate credits.

The role requires 3–5 years in FNI credit, strong MS Office, and preferably SAP/Power BI proficiency along with a valid Code 8 license and reliable transport.

Formación

• Degree or equivalent qualification in Business/Accounting/Finance or Credit Risk.
• Minimum 3-5 years of experience in a similar role within an FNI department.
• Proven experience in analysing corporate financial statements and cash flows.
• Experience in preparing professional Credit Committee papers or Credit Memoranda.
• Experience in managing or assessing material corporate credit exposure.
• Strong software skills including Microsoft Office; SAP, Power BI or similar financial systems advantageous.
• Own vehicle and valid Code 8 licence.

Responsabilidades

• Credit Assessment and Underwriting.
• Financial Analysis.
• Credit Structuring.
• Credit Rating and Risk Classification.
• Credit Approval and Credit Committee.
• Customer Due Diligence.
• Security and Collateral Assessment.
• Post-Lending Credit Monitoring.
• Early Warning and Watchlist Management.
• Arrears and Problem Account Management.
• Portfolio Credit Risk Management.
• IFRS 9 and Expected Credit Loss Support.
• Regulatory and Compliance Responsibilities.
• Credit Policy and Governance.
• Cross-Border Credit Risk.

Conocimientos

Credit risk analysis

Financial statement analysis

Cash flow analysis

Credit committee papers

Credit exposure management

Microsoft Office

SAP

Power BI

Credit management systems

Loan origination systems

Educación

Business/Accounting/Finance or Credit Risk degree

Herramientas

SAP

Power BI

Credit management systems

Loan origination systems

Descripción del empleo

Description

• Degree or equivalent qualification in Business/Accounting/Finance or Credit Risk.
• Minimum 3-5 years of experience in a similar role within an FNI department.
• Proven experience in analysing corporate financial statements and cash flows.
• Experience in preparing professional Credit Committee papers or Credit Memoranda.
• Experience in managing or assessing material corporate credit exposure.
• Strong Software Skills in Microsoft Office and experience with SAP, Power BI, credit management systems, loan origination systems or similar financial systems will be advantageous.
• Own vehicle and valid Code 8 licence.

Requirements

• Grade 12 / Matric
• Degree or equivalent qualification in Business/Accounting/Finance or Credit Risk.
• Minimum 3-5 years of experience in a similar role within an FNI department.
• Proven experience in analysing corporate financial statements and cash flows.
• Experience in preparing professional Credit Committee papers or Credit Memoranda.
• Experience in managing or assessing material corporate credit exposure.
• Strong Software Skills in Microsoft Office and experience with SAP, Power BI, credit management systems, loan origination systems or similar financial systems will be advantageous.
• Own vehicle and valid Code 8 licence.

Responsibilities:

• Credit Assessment and Underwriting.
• Financial Analysis.
• Credit Structuring.
• Credit Rating and Risk Classification.
• Credit Approval and Credit Committee.
• Customer Due Diligence.
• Security and Collateral Assessment.
• Post-Lending Credit Monitoring.
• Early Warning and Watchlist Management.
• Arrears and Problem Account Management.
• Portfolio Credit Risk Management.
• IFRS 9 and Expected Credit Loss Support.
• Regulatory and Compliance Responsibilities.
• Credit Policy and Governance.
• Cross-Border Credit Risk.