Hybrid Corporate Lending Credit Analyst

Placements24; Benoni; Hybrid; ZAR 360,000 - 520,000; Full time

Benefits offered by this job

Competitive salary

Medical aid

Retirement fund contributions

Hybrid work model

Professional development opportunities

Job summary

Placements24 is seeking a diligent Credit Analyst for the Corporate Lending division in Benoni, Gauteng. You will assess creditworthiness of corporate clients to support sound lending decisions.

You will analyze financial statements and cash flows, prepare credit memorandums, monitor portfolios, and work with relationship managers to manage risk. A SA bachelor's in finance/economics and 2+ years in credit analysis are required.

Qualifications

• Bachelor's degree in Finance, Economics, Accounting, or related field.
• Minimum 2 years of credit analysis or financial analysis experience.
• Strong ability to analyze financial statements and cash flows.
• Knowledge of loan structures and credit facilities.
• Excellent written and verbal communication.

Responsibilities

• Analyze financial statements, cash flow projections, and credit histories of corporate borrowers.
• Assess the credit risk associated with loan applications and existing credit facilities.
• Prepare comprehensive credit memorandums and recommendations for loan approvals.
• Monitor the financial performance of the bank's loan portfolio and identify potential risks.
• Conduct industry and market research to support credit assessments.
• Ensure compliance with the bank's lending policies and regulatory requirements.
• Maintain accurate and up-to-date credit files and documentation.
• Communicate effectively with relationship managers and clients regarding credit decisions and requirements.
• Assist in covenant monitoring and compliance for existing loan facilities.
• Stay abreast of economic trends and market developments impacting credit risk.

Skills

Financial statement analysis

Cash flow forecasting

Credit risk assessment

Excel proficiency

Analytical thinking

Communication skills

Education

Bachelor's degree in Finance, Economics, Accounting, or related field

Tools

Microsoft Excel

Job description

Placements24 is seeking a diligent Credit Analyst for the Corporate Lending division in Benoni, Gauteng. You will assess creditworthiness of corporate clients to support sound lending decisions.

You will analyze financial statements and cash flows, prepare credit memorandums, monitor portfolios, and work with relationship managers to manage risk. A SA bachelor's in finance/economics and 2+ years in credit analysis are required.