Credit Analyst - New Business

Phaki Personnel; Johannesburg; On-site; ZAR 420,000 - 650,000; Full time

Job summary

Phaki Personnel is seeking a Credit Analyst to assess the creditworthiness and investment potential of funding proposals in the affordable housing sector. You will conduct in-depth financial analysis, including income statements, cash flow, and balance sheets, to evaluate borrower health and risk.

The role involves identifying factors affecting credit risk and providing recommendations on pricing and likelihood of default, with emphasis on accuracy and prudent judgement.

Qualifications

• B Com Degree or similar in a financial-related qualification. Postgraduate qualification/certificate would be advantageous.
• At least NQF7 finance-related qualification.
• 3-5 years’ experience in the credit, property, or financial sector.

Responsibilities

• Analyze the creditworthiness and investment potential of affordable housing intermediary funding proposals.
• Conduct in-depth financial analysis of financial statements, cash flow statements and balance sheets to assess borrower health.
• Provide risk-based recommendations including likelihood of default and pricing considerations.

Education

B Com Degree or similar in a financial-related qualification

NQF7 finance-related qualification

Job description

Reference: JHB000065-M-1

Job Title: Credit Analyst

The credit analyst is a professional role that specializes in analyzing and assessing the creditworthiness and investment potential of affordable housing intermediary funding proposals. The primary responsibilities involve conducting in-depth financial analysis of businesses or organizations to evaluate their credit risk and investment prospects. This includes detailed analysis of financial statements, income statements, cash flow statements, and balance sheets to assess the financial health and stability of potential borrowers. The analyst examines factors such as the borrower's financial history, industry trends, market conditions, financial forecasts, and collateral. Based on this analysis, a recommendation is made regarding the likelihood of a borrower defaulting on their loan obligations, along with appropriate risk-based pricing.

Duties & Responsibilities

• B Com Degree or similar in a financial-related qualification. Postgraduate qualification/certificate would be advantageous.
• At least NQF7 finance-related qualification.
• 3-5 years’ experience in the credit, property, or financial sector.