Credit Analyst - Isando

Headhunters; South Africa; On-site; ZAR 420,000 - 600,000; Full time

Job summary

Headhunters in South Africa is seeking a skilled Credit Risk professional with 3-5 years in an FNI environment to assess corporate creditworthiness and structure loans. You will analyze financial statements, prepare Credit Committee papers, and monitor portfolios, applying IFRS 9 and risk classifications while ensuring regulatory compliance.

Key tools include Microsoft Office, SAP and Power BI; a Grade 12 with related business/finance qualification is required, and a Code 8 license is

Qualifications

• Grade 12 / Matric or equivalent qualification in Business/Accounting/Finance or Credit Risk.
• 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.

Skills

Credit analysis

Financial statement analysis

Credit risk assessment

Attention to detail

Education

Grade 12 / Matric or equivalent qualification in Business/Accounting/Finance or Credit Risk

Tools

Microsoft Office

SAP

Power BI

Credit management systems

Loan origination systems

Job description

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.

Only shortlisted candidates will be contacted. If you do not receive feedback within two weeks of applying, please consider your application unsuccessful.