Credit Risk Analyst

Nefcorp; Sandton; On-site; ZAR 420,000 - 600,000; Part time

Job summary

Nefcorp is seeking a Credit Analysis and Risk Management professional to assess and monitor credit risk, prepare risk reports, and support credit committee processes. You will rate transactions, run pricing models, and contribute to risk controls.

The role requires at least 3 years in credit risk, strong SQL and MS Excel skills, and the ability to communicate complex results clearly to stakeholders. Fixed-term contract with market-competitive remuneration.

Qualifications

• Minimum 3 years of working experience in the Credit Risk environment.
• High-level understanding of the concept of credit risk management.
• Report writing skills.
• Good technical capability in SQL and MS Excel.
• Strong communication skills to explain complex processes.
• Able to build relationships with stakeholders internally and externally.
• Self-starter who can work under pressure.
• A logical approach to problem solving on technical and business issues.

Responsibilities

• Assess and monitor credit risk by conducting credit evaluations and preparing risk reports.
• Rate transactions using the risk rating model and support risk controls.
• Run pricing models to propose final deal pricing considering risk.
• Attend credit committees and contribute to credit risk capability development.
• Support continuous improvement initiatives and ad hoc duties as requested.

Skills

Credit risk analysis

SQL

MS Excel

Report writing

Communication

Relationship building

Problem solving

Attention to detail

Education

Bachelor’s degree in Finance or Risk Management

Tools

SQL

MS Excel

Job description

Job category: Credit Analysis and Risk Management

Contract: Fixed Term Contract

Remuneration: Market Related

EE position: Yes

Introduction

To assess and monitor credit risk by conducting credit evaluations, preparing risk reports, applying risk rating and pricing models and supporting credit risk controls to enable informed business decisions. The role also contributes to continuous improvement initiatives and participates in credit committee processes.

• Produce accurate risk reports with commentary and in the correct format;
• Perform credit and background searches on applicant companies and the entrepreneurs and directors and prepare a credit and background checking report;
• Rate transaction using the risk rating model;
• Run the pricing model to propose a final deal pricing having considered risk ratings;
• Support continuous development of credit risk capability through feedback in discussions and observations indifferent forums as appropriate;
• Recommend improvement actions where appropriate;
• Support the building and development of credit metrics, as well as projects to deliver credit risk control;
• Attend credit committees;
• Perform other ad hoc duties as requested.

Experience / Skills Required

• Minimum 3 years of working experience in the Credit Risk environment;
• High-level understanding of the concept of credit risk management;
• Report writing skills;
• Good technical capability in the use of SQL and MS Excel;
• Good communication skills to be able to effectively communicate complex processes and outputs to colleagues with varying levels of technical knowledge;
• Able to build relationships and networks both internally and externally;
• Self-starter with the ability to work under pressure;
• A logical approach to problem solving in relation to both technical and business issues.

Qualification Requirements

• Bachelor’s degree in Finance or Risk Management

Personal Attributes/Behaviours/Attitudes

• Analysis and Attention to Detail
• Conceptual / Big Picture Thinking
• Focused and Sustained Attention
• Problem Solving
• Tolerance of Ambiguity
• Excellence/ Quality Orientation
• Rule Orientation
• Ethical Judgement
• Flexibility
• Drive and Results Orientation
• Time and Self-Management
• Interpersonal Agility
• Building relationships
• Teamwork
• Conflict Management
• Presentation and Facilitation
• Verbal and Written Communication (incl. Listening)