Credit Risk Analyst - Corporate Banking

Placements24; Centurion; Híbrido; ZAR 480 000 - 720 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Competitive salary

Medical aid

Remote work flexibility

Professional growth

Resumo da oferta

Placements24 is seeking a skilled Credit Risk Analyst to join a remote-capable team with operations based from Centurion, Gauteng. You will assess corporate creditworthiness, analyze financial statements, structure credit facilities, and present to committees.

The role requires strong analytical ability and effective communication to stakeholders. The position offers flexible remote work within South Africa, opportunities for professional growth, and exposure to a broad corporate client

Qualificações

• Bachelor's degree in Finance, Economics, Accounting, or related quantitative field.
• Minimum of 3 years in credit analysis, corporate banking, or financial risk management.
• Strong financial statement analysis and credit modeling skills.
• Knowledge of lending principles and credit risk assessment methodologies.
• Excellent analytical, problem-solving, and decision-making abilities.
• Effective communication and presentation skills; ability to articulate risk clearly.

Responsabilidades

• Analyze financial statements and due diligence on corporate clients.
• Assess credit risk for loan applications and credit facilities.
• Prepare credit reports and present recommendations to credit approvals.
• Monitor credit performance and identify early warning signals.
• Develop and maintain credit risk models and rating systems.
• Ensure compliance with internal policies and external regulations.
• Collaborate with relationship managers to structure credit solutions for clients.
• Stay abreast of industry trends impacting credit risk.

Conhecimentos

Analytical skills

Problem solving

Decision making

Communication skills

Presentation skills

Formação académica

Bachelor's degree in Finance/Economics/Accounting

Descrição da oferta de emprego

About the Role

Our client, a leading corporate bank, is looking for a skilled Credit Risk Analyst to join their expanding team based remotely, with key operations managed from Centurion, Gauteng . This role is pivotal in assessing the creditworthiness of corporate clients, evaluating loan applications, and managing the bank's credit portfolio. The Credit Risk Analyst will play a critical role in mitigating financial risk by providing in-depth analysis and recommendations to credit committees. This remote position offers the flexibility to work from anywhere while contributing to crucial decision-making processes within the South African corporate banking landscape. The ideal candidate will possess strong analytical skills, a comprehensive understanding of financial statements, and a keen eye for detail. You will be instrumental in identifying potential credit exposures, structuring appropriate credit facilities, and monitoring the ongoing health of client relationships, thereby safeguarding the bank's assets and ensuring sustainable lending practices. This role requires a proactive approach to risk management and the ability to communicate complex financial information clearly and concisely to various stakeholders.

Key Responsibilities

• Analyze financial statements and conduct due diligence on corporate clients.
• Assess credit risk associated with loan applications and credit facilities.
• Prepare detailed credit reports and present recommendations to credit approval authorities.
• Monitor the credit performance of existing clients and identify potential early warning signals.
• Develop and maintain credit risk models and rating systems.
• Ensure compliance with internal credit policies and external regulatory requirements.
• Collaborate with relationship managers to structure credit solutions for clients.
• Stay abreast of industry trends and economic factors impacting credit risk.

Requirements

• Bachelor's degree in Finance, Economics, Accounting, or a related quantitative field.
• Minimum of 3 years of experience in credit analysis, corporate banking, or financial risk management.
• Proficiency in financial statement analysis and credit modeling.
• Strong understanding of lending principles and credit risk assessment methodologies.
• Excellent analytical, problem-solving, and decision-making skills.
• Effective communication and presentation skills, with the ability to articulate complex risks.
• Self‑motivated and able to work independently in a remote setting.
• Familiarity with South African corporate market dynamics is advantageous.

Benefits

• Competitive salary and potential for annual bonuses.
• Comprehensive benefits package, including medical aid and retirement planning.
• Flexible remote working arrangements.
• Opportunities for professional growth and advanced training in risk management.
• Engage with a wide range of corporate clients across various sectors.
• Be part of a respected institution with a strong commitment to risk management excellence.