Hybrid Lead Credit Analyst — Corporate Lending & Risk

Placements24; Randburg; Hybrid; ZAR 900,000 - 1,300,000; Full time

Benefits offered by this job

Hybrid work model

Performance bonuses

Medical aid & retirement fund

Job summary

Placements24 is seeking a Lead Credit Analyst in Randburg to guide credit risk assessments for complex corporate loans. You will analyze financial statements, cash flows, and market data to drive lending decisions, while mentoring junior analysts and ensuring regulatory compliance.

The role balances in-office collaboration with remote work, offering growth within a leading financial services group in Gauteng.

Qualifications

• Bachelor's degree in Finance, Economics, Accounting, or a related field.
• Master's degree or CFA designation is advantageous.
• Minimum of 6 years of experience in credit analysis, corporate lending, or risk management, preferably in a banking environment.
• Strong understanding of financial statement analysis, cash flow modeling, and financial ratios.
• In-depth knowledge of corporate finance principles and loan structures.
• Proven ability to assess and mitigate credit risk.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong communication and interpersonal skills; ability to present complex information clearly.

Responsibilities

• Lead the credit assessment process for complex corporate loan applications.
• Analyze financial statements, cash flow projections, and other data to evaluate creditworthiness.
• Prepare detailed credit proposals and recommendations for senior credit committees.
• Monitor the performance of existing loan portfolios and identify potential credit deterioration.
• Develop and maintain relationships with clients and internal stakeholders.
• Ensure compliance with internal credit policies, procedures, and regulatory requirements.
• Mentor and guide junior credit analysts, providing training and feedback.
• Stay informed about industry trends, economic conditions, and emerging credit risks.
• Contribute to the development and refinement of credit risk models and frameworks.
• Assist in portfolio reviews and stress testing exercises.

Skills

Credit risk assessment

Financial statement analysis

Cash flow modeling

Risk management

Mentoring

Analytical thinking

Communication

Education

Bachelor's degree in Finance, Economics, or Accounting

Master's degree or CFA (advantageous)

Tools

Excel

MS Office

Financial analysis software

Job description

Placements24 is seeking a Lead Credit Analyst in Randburg to guide credit risk assessments for complex corporate loans. You will analyze financial statements, cash flows, and market data to drive lending decisions, while mentoring junior analysts and ensuring regulatory compliance.

The role balances in-office collaboration with remote work, offering growth within a leading financial services group in Gauteng.