Credit Risk Analyst

Placements24; Bloemfontein; Hybrid; ZAR 420,000 - 660,000; Full time

Benefits offered by this job

Fully remote

Health, dental, and vision insurance

Professional development

Performance bonus

Job summary

Placements24 is seeking a meticulous Credit Risk Analyst to join a fully remote team based in Bloemfontein. You will evaluate borrower creditworthiness, analyze financial data, and support risk mitigation strategies to safeguard the company’s financial stability.

The role emphasizes rigorous analysis, compliance with regulations, and collaboration with sales and operations to balance growth with risk control.

Qualifications

• Bachelor’s degree in Finance, Economics, Mathematics or related field.
• 3–5 years of experience in credit analysis or risk management.
• Strong ability to analyze financial statements and credit reports.

Responsibilities

• Assess credit risk of new and existing clients by analyzing financial data and market conditions.
• Develop and implement credit scoring models and risk assessment methodologies.
• Monitor loan portfolios for potential deterioration and advise proactive measures.
• Prepare credit reports and present findings to the credit committee.
• Ensure compliance with internal policies and external regulations.
• Collaborate with sales and operations to support growth while managing risk.

Skills

Credit risk analysis

Advanced Excel

Financial statement analysis

Regulatory compliance

Education

Bachelor's degree in Finance/Economics/Mathematics

Tools

SQL

Excel

Job description

About the Role

Our client is seeking a meticulous and analytical Credit Risk Analyst to join their fully remote team based in Bloemfontein . This role is essential in evaluating the creditworthiness of potential borrowers and managing the credit risk exposure of the organization. You will analyze financial statements, credit reports, and market data to make informed lending decisions and develop risk mitigation strategies. This position offers a significant opportunity to contribute to the company's financial stability and growth within a remote-first operational structure. You will be part of a dedicated team focused on maintaining robust risk management practices and supporting sound financial decision-making.

Key Responsibilities

• Assess the credit risk of new and existing clients by analyzing financial data, credit histories, and market conditions.
• Develop and implement credit scoring models and risk assessment methodologies.
• Monitor loan portfolios for potential credit deterioration and recommend proactive measures.
• Prepare comprehensive credit reports and present findings and recommendations to the credit committee.
• Ensure compliance with internal credit policies and external regulatory requirements.
• Collaborate with sales and operations teams to support business growth while managing risk.

Requirements

• Bachelor's degree in Finance, Economics, Mathematics, or a related quantitative field.
• 3-5 years of experience in credit analysis, risk management, or a related financial role.
• Strong understanding of financial statements, ratio analysis, and credit risk principles.
• Proficiency in data analysis tools and software, including advanced Excel skills.
• Excellent analytical, problem-solving, and communication abilities.

Benefits

• Competitive salary and performance-based bonus.
• Fully remote working arrangement providing enhanced flexibility.
• Comprehensive health, dental, and vision insurance.
• Opportunities for professional development and certifications in risk management.
• A supportive team environment focused on rigorous analysis and sound financial practices.