Lead Credit Analyst

Placements24; Klerksdorp; Hybrid; ZAR 700.000 - 1.100.000; Vollzeit

Benefits dieser Stelle

Salary bonus opportunities

Health insurance

Paid time off

Retirement plan

Zusammenfassung

Placements24 is seeking an experienced Lead Credit Analyst to join a fully remote team. You will lead a team of credit analysts, evaluate borrower creditworthiness, and shape credit policies.

The role emphasizes strong financial analysis, risk modeling, and regulatory compliance in a growing financial services setting. The ideal candidate will have 6+ years in credit analysis or underwriting, with leadership experience, and a deep understanding of financial statement analysis and cash flow

Qualifikationen

• Bachelor's degree in Finance, Accounting, Economics, or a related field.
• Master's degree or MBA is a plus.

Aufgaben

• Lead and mentor a team of credit analysts, providing guidance and oversight on credit assessments.
• Analyze financial statements, cash flow projections, and other relevant data to evaluate the creditworthiness of borrowers.
• Develop and recommend appropriate credit structures, terms, and conditions for loans and other credit facilities.
• Monitor the credit quality of the loan portfolio and develop mitigation strategies.
• Ensure compliance with internal policies and external regulatory requirements.
• Contribute to the development and refinement of credit scoring models and risk assessment methodologies.
• Prepare comprehensive credit reports and present recommendations to the credit committee.
• Stay informed about industry trends, economic conditions, and regulatory changes affecting credit risk.
• Build strong working relationships with internal stakeholders.

Kenntnisse

Leadership

Financial statement analysis

Cash flow forecasting

Credit risk principles

Excel

Ausbildung

Bachelor's degree in Finance/Accounting/Economics

MBA

Tools

Microsoft Excel

Credit analysis software

Jobbeschreibung

About the Role

Our client, a growing financial services company, is seeking an experienced Lead Credit Analyst to join their fully remote team. This role is crucial in assessing the creditworthiness of potential borrowers and managing the credit risk of the company's loan portfolio. You will be responsible for leading a team of credit analysts, developing credit policies, and providing expert analysis on complex credit applications. The ideal candidate will possess a deep understanding of financial statement analysis, credit scoring models, and relevant regulations. This fully remote position offers the flexibility to work from anywhere while making a significant impact on the company's lending decisions and risk management. Join a collaborative and innovative team dedicated to sound lending practices and sustainable growth. We offer a supportive environment where your expertise will be highly valued.

Key Responsibilities

• Lead and mentor a team of credit analysts, providing guidance and oversight on credit assessments.
• Analyze financial statements, cash flow projections, and other relevant data to evaluate the creditworthiness of individual borrowers and counterparties.
• Develop and recommend appropriate credit structures, terms, and conditions for loans and other credit facilities.
• Monitor the credit quality of the existing loan portfolio, identifying potential risks and developing mitigation strategies.
• Ensure compliance with internal credit policies, procedures, and external regulatory requirements.
• Contribute to the development and refinement of credit scoring models and risk assessment methodologies.
• Prepare comprehensive credit reports and present recommendations to the credit committee.
• Stay informed about industry trends, economic conditions, and regulatory changes affecting credit risk.
• Build strong working relationships with internal stakeholders, including sales, legal, and operations teams.

Requirements

• Bachelor's degree in Finance, Accounting, Economics, or a related field.
• Master's degree or MBA is a plus.
• Minimum of 6 years of experience in credit analysis, underwriting, or corporate lending, with at least 2 years in a leadership or supervisory role.
• Proven expertise in financial statement analysis, ratio analysis, and cash flow forecasting.
• Strong understanding of credit risk principles, loan structuring, and risk mitigation techniques.
• Familiarity with relevant South African banking regulations and compliance standards.
• Excellent analytical, critical thinking, and problem-solving skills.
• Strong written and verbal communication skills, with the ability to clearly articulate complex financial information.
• Demonstrated ability to lead and develop a team effectively in a remote setting.
• Proficiency in credit analysis software and Microsoft Excel.
• Ability to work independently and manage multiple priorities in a remote environment.

Benefits

• Competitive salary and performance-based bonus opportunities.
• Comprehensive health, dental, and vision insurance plans.
• Generous paid time off and company holidays.
• Retirement savings plan with company contributions.
• Opportunities for professional development and continuing education.
• A supportive and collaborative remote work culture.
• Work from anywhere within South Africa.
• Significant autonomy and impact in a growing organization.