CREDITB RISK ANALYST, JOHANNESBURG

Affirmative Portfolios; Gauteng; On-site; ZAR 420,000 - 660,000; Full time

Job summary

Affirmative Portfolios in Johannesburg is seeking a Credit Risk Analyst on a 12-month fixed-term contract. You will assess and monitor credit risk by conducting credit evaluations, producing risk reports, applying risk rating and pricing models, and supporting credit risk controls to enable informed business decisions.

The role requires a Bachelor’s degree in Finance or Risk Management, minimum three years’ experience in credit risk, strong SQL and Excel skills, and excellent report writing and

Qualifications

• Minimum 3 years of working experience in the Credit Risk environment.
• High-level understanding of credit risk management concepts.
• Strong report writing and communication skills.

Responsibilities

• Produce accurate risk reports with commentary and in the correct format.
• Conduct credit and background searches on applicant companies and key individuals and prepare related reports.
• Rate transactions using the risk rating model.
• Run pricing models to propose final deal pricing considering risk ratings.
• Support development of credit risk capability and participate in credit committees.
• Attend credit committees and perform ad hoc duties as requested.

Skills

Report writing

Communication

Analytical thinking

Attention to detail

Education

Bachelor’s degree in Finance or Risk Management

Tools

SQL

MS Excel

Job description

CREDIT RISK ANALYST

JOHANNESBURG

12 MONTH FIXED TERM CONTRACT

Deadline – 4 November 2026

Department – Risk and Compliance

Reports to – Head: Credit Risk

Duration – 12 Months fixed term contract

About the Position:

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.

Responsibilities:

• 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.

Minimum Requirements

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

Qualification Requirements:

• Bachelor’s degree in Finance or Risk Management

Personal Attributes:

• Cognitive Competencies
  
  
  
  • Analysis and Attention to Detail
  
  
  • Conceptual / Big Picture Thinking
  
  
  • Focused and Sustained Attention
  
  
  • Problem Solving
  
  
  • Tolerance of Ambiguity
  
  
  
  


• Intrapersonal Competencies
  
  
  
  • Excellence/ Quality Orientation
  
  
  • Rule Orientation
  
  
  • Ethical Judgement
  
  
  • Flexibility
  
  
  • Drive and Results Orientation
  
  
  • Time and Self-Management
  
  
  
  


• Interpersonal Competencies
  
  
  
  • Interpersonal Agility
  
  
  • Building relationships
  
  
  • Teamwork
  
  
  • Engaging diversity
  
  
  
  


• Communication Competencies
  
  
  
  • Conflict Management
  
  
  • Presentation and Facilitation
  
  
  • Verbal and Written Communication (incl. Listening)
  
  
  
  


• Functional Competencies
  
  
  
  • Commercial and Financial Acumen
  
  
  • Process and Technological Competence
  
  
  • Safety and Security Orientation
  
  
  • Mathematical Acumen
  
  
  
  

Please Note: Should you not receive feedback within 3 months, please consider your application as unsuccessful.