Credit Risk Analyst - Strategic Lending & Insights

Watershed Consulting; Gauteng; On-site; ZAR 420,000 - 600,000; Full time

Job summary

Watershed Consulting is seeking a dedicated Credit Analyst in Gauteng (East Rand) to evaluate loan applicants and assess credit risk. You will work with the F&I manager and credit committee to make informed credit decisions and monitor compliance.

The role requires 3–5 years of experience, a relevant degree, and advanced MS Excel skills. A Code 8 driver's license is also requested, with a focus on thorough analysis and strong teamwork in a fast-paced environment.

Qualifications

• Matric certificate or higher plus a Degree or equivalent in Business, Accounting, Finance, or Credit Risk Management.
• 3–5 years of corporate credit analysis or asset-finance evaluation experience.
• Strong MS Excel proficiency for complex data analysis and verification.

Responsibilities

• Gather and analyze financial data from loan applicants to evaluate risk and determine creditworthiness.
• Formulate strategic recommendations to increase, adjust, extend, or close lines of credit with the credit committee.
• Undertake comprehensive risk analyses using regional, sector-specific, environmental, and financial data."
• Ensure vehicle financing is compliant with company policies and regulations; perform quality assurance reviews.
• Prepare and present detailed corporate credit reports and verify data integrity of submitted information.
• Contribute to updating and refining internal credit rating criteria and risk scorecards.
• Oversee or support loan document preparation and clearly communicate decisions and policies to applicants.

Skills

Analytical thinking

Communication

Team collaboration

Education

Matric certificate

Degree in Business, Accounting, Finance or Credit Risk Management

Tools

MS Excel

Job description

Watershed Consulting is seeking a dedicated Credit Analyst in Gauteng (East Rand) to evaluate loan applicants and assess credit risk. You will work with the F&I manager and credit committee to make informed credit decisions and monitor compliance.

The role requires 3–5 years of experience, a relevant degree, and advanced MS Excel skills. A Code 8 driver's license is also requested, with a focus on thorough analysis and strong teamwork in a fast-paced environment.