Lead Credit Analyst

Placements24; George; Sur place; ZAR 1 200 000 - 1 800 000; Plein temps

Avantages offerts par ce poste

Competitive salary package

Performance bonuses

Medical aid and disability insurance

Pension fund contributions

Relocation assistance

Professional training and certs

Team-building events

Employee wellness programs

Résumé du poste

Placements24 in George, Western Cape, seeks a Lead Credit Analyst to oversee credit risk assessment for a diverse client portfolio. You will guide a team of analysts, develop scoring models, and ensure regulatory compliance.

The ideal candidate brings 7+ years in credit analysis with strong leadership, financial analysis, and decision-making skills, in a banking/finance context. This full-time role anchors in George’s vibrant financial district.

Qualifications

• Master's degree in Finance, Economics, Business Administration, or a related quantitative field.
• 7+ years of progressive experience in credit analysis, risk management, or lending, preferably in Banking & Finance.
• Proven experience leading and managing a team of analysts.
• In-depth knowledge of financial statement analysis, cash flow analysis, and various credit assessment methodologies.
• Strong understanding of financial markets, economic principles, and regulatory frameworks (e.g., Basel Accords).

Responsabilités

• Lead and manage the credit analysis team, providing guidance, training, and performance management.
• Develop, implement, and refine credit scoring models and risk assessment frameworks.
• Conduct thorough due diligence and in-depth credit analysis on loan applicants, including financial statement analysis, cash flow projections, and market assessments.
• Assess creditworthiness and recommend appropriate credit structures, terms, and collateral.
• Monitor the credit quality of the existing loan portfolio, identifying potential risks and developing mitigation strategies.
• Prepare detailed credit reports and present findings and recommendations to the Credit Committee and senior management.
• Ensure compliance with all relevant credit policies, procedures, and regulatory requirements.
• Stay abreast of industry trends, economic conditions, and regulatory changes impacting credit risk.
• Collaborate with sales and business development teams to support profitable growth while managing risk effectively.
• Develop and maintain strong relationships with internal and external stakeholders.

Connaissances

Leadership

Credit analysis

Risk management

Financial statement analysis

Cash flow analysis

Excel

Communication

Decision-making

Formation

Master's degree in Finance, Economics, Business Administration, or related field

Outils

Credit risk software

Description du poste

About the Role

Our client, a leading financial services provider, is actively seeking an experienced and decisive Lead Credit Analyst to join their esteemed team in George, Western Cape . This senior position is crucial for overseeing the credit risk assessment process for a diverse portfolio of clients. The successful candidate will leverage their extensive expertise in financial analysis, risk management, and regulatory compliance to ensure sound lending practices. This role demands strong leadership qualities, meticulous attention to detail, and the ability to guide a team of credit analysts. The position is based full-time at our George, Western Cape office, fostering close collaboration and team synergy.

Key Responsibilities

• Lead and manage the credit analysis team, providing guidance, training, and performance management.
• Develop, implement, and refine credit scoring models and risk assessment frameworks.
• Conduct thorough due diligence and in-depth credit analysis on loan applicants, including financial statement analysis, cash flow projections, and market assessments.
• Assess creditworthiness and recommend appropriate credit structures, terms, and collateral.
• Monitor the credit quality of the existing loan portfolio, identifying potential risks and developing mitigation strategies.
• Prepare detailed credit reports and present findings and recommendations to the Credit Committee and senior management.
• Ensure compliance with all relevant credit policies, procedures, and regulatory requirements.
• Stay abreast of industry trends, economic conditions, and regulatory changes impacting credit risk.
• Collaborate with sales and business development teams to support profitable growth while managing risk effectively.
• Develop and maintain strong relationships with internal and external stakeholders.

Requirements

• Master's degree in Finance, Economics, Business Administration, or a related quantitative field.
• Minimum of 7 years of progressive experience in credit analysis, risk management, or lending, preferably within the Banking & Finance sector.
• Proven experience in leading and managing a team of analysts.
• In-depth knowledge of financial statement analysis, cash flow analysis, and various credit assessment methodologies.
• Strong understanding of financial markets, economic principles, and regulatory frameworks (e.g., Basel Accords).
• Expertise in utilizing credit risk management software and advanced Excel skills.
• Exceptional analytical, problem-solving, and decision-making abilities.
• Excellent written and verbal communication skills, with the ability to present complex information clearly and persuasively.
• Demonstrated ability to work under pressure and meet tight deadlines.
• Experience within the George, Western Cape financial landscape is highly desirable.

Benefits

• Highly competitive salary package reflective of experience and leadership.
• Performance-based bonuses.
• Comprehensive medical aid and disability insurance.
• Generous pension fund contributions.
• Opportunities for advanced professional training and certifications.
• Relocation assistance may be available for qualified candidates.
• Prime office location in George, Western Cape .
• A challenging and rewarding work environment with significant autonomy.
• Regular team-building events and social activities.
• Employee wellness programs.