Senior Credit Analyst

Astron Energy Ltd.; Cape Town; On-site; ZAR 800,000 - 1,000,000; Full time

Job summary

A leading energy company seeks a Senior Credit Analyst in Cape Town. The role involves performing risk assessments, monitoring accounts, and ensuring compliance with corporate policies. Ideal candidates will have strong analytical skills, a CA(SA) qualification, and significant experience in corporate credit management within the Petrochemical industry. Strong communication and financial acumen are essential. Competitive compensation offered.

Qualifications

• Strong communication skills to engage with customers.
• Prior experience with credit management as a sanctioner is preferred.
• Experience in the Petrochemical Industry is preferred.

Responsibilities

• Perform risk assessments of new and existing customers.
• Monitor account exposures proactively.
• Ensure compliance with all Corporate policies.

Skills

Analytical skills

Attention to detail

Strong communication skills

Financial acumen

Ability to work under pressure

Education

CA(SA) or equivalent qualification

10+ years Corporate Credit Experience

Tools

Microsoft Office

Advanced Excel

SAP4Hana

Job description

Job title

Senior Credit Analyst

Job Location

Western Cape, Cape Town

Deadline

September 24, 2025

Overview

Responsibilities for this position may include but are not limited to :

• Corporate: For complex and large exposure accounts, obtain financial statements, credit agency reports and other pertinent information relating to the customer, to complete comprehensive credit reviews.
• Retail: Ability to sanction and assess business plans of new Retail clients and able to work in a pressure high-volume environment.

Risk Assessment

• Core part of the role includes performing risk assessment of new and existing customers achieved through assessment and analysis of credit life cycle, i.e. quantitative and qualitative evaluation of respective customers, about historic financial performance and forecasted cashflows, competitive positioning, historic financial performance and forecasted cashflows.
• Knowledge of corporate credit ratings methodology.
• Inherent micro / macro risks (Business Acumen) and other information available to determine appropriate credit risk (secured / unsecured / ESG factors).
• Provide outcome and recommendations to relevant stakeholders and decision makers, considering customer value proposition in respect of credit risk / profitability reward (economic modelling tool) within the relevant SLA on Corporate and Retail.

Assist in Structuring

• Liaise with respective stakeholders to provide innovative Credit advice and solutions.
• Determines appropriate credit lines and security requirements.

Non performing accounts

• Works with customer, financial institutions, legal, etc. to determine appropriate security required.
• Account Handling: Monitors account exposures proactively and takes appropriate action relating to credit violations.
• Attend and participate in the internal Credit Committee meetings and actively participates in discussions.
• Stakeholder management: Works closely with customer, Account Manager, and other stakeholders in resolving payment disputes, past dues, makes value added customer visits with the Account Manager as needed.
• Periodically participates in Business Unit (Customer Facing) meetings providing credit perspective.
• Reporting: Provides Business Unit management with monthly report of credit metrics, high risk accounts, and action being taken.
• Compliance and Sanctioning: Ensures compliance with all Corporate policies, internal control and Sox reporting requirements.
• Demonstrate the Astron Values: Safety, Results focused, integrity and courage, people centric, collaboration and Synergy.

Required Qualifications and Experience

• CA(SA) or equivalent qualification or more than 10 years Corporate Credit Experience or
• Experience in both Corporate Credit (min 5 years) and Retail Credit (Min 5 years).
• Excellent analytical skills and Attention to detail in order to understand credit violations risks. (e.g. track and anticipate credit risk prevalent to individual customer and to specific industries; recommend course of action to prevent further credit violations; ability to understand various forms of security and collateral available from customers).
• Strong communication skills and ability to effectively engage with customers and internal stakeholders (incl. senior management) on varying levels of business, financial and credit related complexities.
• Prior experience with credit management functions as a sanctioner / credit Mandate is highly preferred.
• Prior experience in supervising teams (5 years) preferred.
• Being able to perform standby duties on rotation basis.
• Experience in Petrochemical Industry preferred.
• Strong financial acumen - comfortable working with and assessing customer Financials i.e. Income statement, Balance Sheet, cash Flow Statement, Forecasted Projections.
• Fully conversant with IFRS standards (IFRS9) and other regulatory standards relating to Credits function.
• Proficient in Microsoft Office, Advanced Excel skills, SAP4Hana.
• Ability to work under pressure, working to tight deadlines and independently manage several different tasks, as well as be able to switch priorities at short notice.
• Ability to work independently and deliver creative and innovative solutions to mitigate credit risk.
• Ability to anticipate the needs of both internal and external customers and proactively manages expectations.

Application deadline

• 17 September 2025