Junior Credit Analyst

Kontak Recruitment; Johannesburg; On-site; ZAR 200 000 - 300 000; Full time

Job summary

A specialist finance provider in Johannesburg is seeking a Junior Credit Analyst to manage application screenings and risk checks, providing hands-on coaching. The role requires a relevant degree and strong analytical skills, with a focus on accuracy and stakeholder communication. The ideal candidate is a recent graduate eager to build a career. This position offers a salary range of R30,000 to R35,000 per month and is office-based in Rosebank.

Qualifications

• Recent graduate who wants to build a long-term career.
• Comfortable working with CRM or similar systems for capturing applications.

Responsibilities

• Capture, verify, and quality-check all incoming credit applications.
• Assess documentation for completeness and consistency.
• Analyse financial statements to identify affordability and risk indicators.
• Conduct thorough credit bureau checks.
• Communicate confidently with sales teams and clients.
• Track applications through the full process to meet SLA targets.

Skills

Ability to work accurately under pressure

Strong written and verbal communication skills

Confident interpersonal skills

High attention to detail with an analytical mindset

Vibrant, enthusiastic personality

Education

Completed and relevant BCom or BSc degree

Tools

CRM or similar systems

Job description

Junior Credit Analyst job vacancy in Johannesburg.

A specialist asset and equipment finance provider that supports SME businesses seeks a recent graduate to take up the role of Junior Credit Analyst.

You will manage application screening, data accuracy and initial risk checks while receiving hands‑on coaching and guidance.

Location: Rosebank, Johannesburg (Office-Based).

Salary: R30 000 to R35 000 per month.

Minimum Requirements:

• Completed and relevant BCom or BSc degree
• Recent graduate who wants to build a long-term career
• Ability to work accurately under pressure
• Ability to manage multiple tasks and meet deadlines
• Strong written and verbal communication skills
• Confident interpersonal skills to liaise with internal and external stakeholders
• High attention to detail with an analytical mindset
• Comfortable working with CRM or similar systems for capturing applications
• Vibrant, enthusiastic personality that brings energy into the team

Duties and Responsibilities:

• Capture, verify, and quality-check all incoming credit applications with complete accuracy
• Assess documentation for completeness, consistency, and alignment with scorecard requirements
• Analyse bank statements, financial statements, and supporting documents to identify affordability, risk indicators, and application viability
• Conduct thorough credit bureau checks and interpret results to guide recommendations
• Validate supplier information, equipment values, and transaction legitimacy
• Communicate confidently with sales teams, brokers, suppliers, and clients to obtain missing information and provide clear updates
• Form early‑stage credit views based on data, patterns, and red flags, and elevate findings appropriately
• Track applications through the full process to ensure SLA and turnaround targets are met
• Prepare information packs, summaries, and inputs that contribute to the compilation of full credit papers
• Work closely with the credit team to ensure decisions are informed, well supported, and documented
• Contribute to continuous improvements in application processes, document control, and workflow efficiency