Credit Analyst : Commercial Banking & Transformation

M-Ploy Global Resourcing; Cape Town; On-site; ZAR 400 000 - 600 000; Full time

Job summary

A leading company in commercial banking seeks a Credit Analyst to manage credit analysis and submissions. The role involves financial data collection, risk management, and maintaining a portfolio. Ideal candidates will have a commerce qualification and relevant experience in credit assessment.

Qualifications

• 3 years relevant credit assessment experience.
• Thorough knowledge of NCA, CPA, FICA, and related credit regulatory requirements.

Responsibilities

• Carry out full credit assessments within the allocated portfolio.
• Check credit submissions for completeness and ensure all required documentation is received.

Skills

Credit Analysis

Financial Analysis

Risk Management

Business Acumen

Education

3-year Tertiary Qualification (Commerce)

Job description

CREDIT ANALYST : COMMERCIAL BANKING & TRANSFORMATION

LOCATIONS : CAPE TOWN x1, POLOKWANE x1, UPINGTON x1

JOB PURPOSE

To manage and perform quality credit analysis, including financial data collection, trend analysis, peer comparisons, and industry overview, to ensure high-quality credit submissions to Credit Managers and Credit Committees for the allocated portfolio. This includes:

• Commercial and Transformation Credit applications
• Mitigating potential risks on behalf of the Company
• Recommending bankable solutions in accordance with the approved Credit Policy, norms, and delegated authority

Responsible for maintaining the portfolio, conducting annual credit reviews on existing accounts, and re-advancing production and revolving loans within the assigned DOP, as required by management.

QUALIFICATIONS

• 3-year Tertiary Qualification (Commerce), majors in Accounting, Agriculture Economics, or Credit Management

EXPERIENCE

• 3 years relevant credit assessment experience
• Thorough knowledge of NCA, CPA, FICA, and related credit regulatory requirements
• Experience in primary and secondary agriculture sector finance
• Appraisal of credit proposals and deal structuring for assets finance, working capital, and backward/forward integration finance
• Advanced business acumen

JOB DUTIES / RESPONSIBILITIES

• Carry out full credit assessments within the allocated portfolio, including credit submissions, financial analysis, reviews, loan re-advancement, collateral analysis, and risk management
• Check credit submissions for completeness and ensure all required documentation is received
• Coordinate with Provincial offices to obtain supporting documents

DESIRED SKILLS & EXPERIENCE

• NCACPAFICA and related credit regulatory requirements
• 5 to 10 years of relevant work experience

About The Employer

Locations: Cape Town, Polokwane, Upington

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