Senior Credit Analyst

Mecs Africa; Cape Town; On-site; ZAR 60 000 - 100 000; Full time

Job summary

An established industry player is seeking a Senior Credit Analyst to join their team in Cape Town. This role offers a challenging opportunity to leverage your expertise in corporate and retail credit analysis within a dynamic petrochemical environment. You will be responsible for conducting thorough credit reviews, managing stakeholder relationships, and providing strategic recommendations based on risk assessments. If you have a passion for financial analysis and a strong background in credit management, this position could be your next big career move. Join a forward-thinking company that values your contributions and offers a platform for professional growth.

Qualifications

• CA(SA) or equivalent qualification required.
• 10+ years of experience in corporate credit analysis.

Responsibilities

• Conduct comprehensive credit reviews for new and existing clients.
• Manage stakeholder relationships and compliance processes.

Skills

Corporate Credit Analysis

Retail Credit Analysis

Risk Assessment

Financial Modelling

Stakeholder Management

Education

CA(SA) or equivalent qualification

10+ years of corporate credit experience

Tools

Microsoft Office

Excel

SAP4Hana

Job description

A challenging opportunity has become available for an experienced Senior Credit Analyst. The ideal candidate will come from a petrochemical environment. This position is based in Milnerton, Cape Town.

Position Info: Responsibilities

• Obtain financial statements, credit agency reports, and other pertinent information relating to the customer for comprehensive credit reviews.
• Sanction and assess business plans of new Retail clients.
• Perform risk assessment of new and existing customers through assessment and analysis of the credit lifecycle, including quantitative and qualitative evaluation of customers' financial performance, forecasted cash flows, and competitive positioning. Knowledge of corporate credit ratings methodology, inherent micro/macro risks (business acumen), and other relevant information to determine appropriate credit risk (secured/unsecured/ESG factors).
• Provide outcomes and recommendations, considering customer value proposition in respect of credit risk and profitability, using economic modelling tools within the relevant SLA for Corporate and Retail clients.
• Manage overall account handling, stakeholder relationships, reporting, compliance, and sanctioning processes.

Qualifications and Experience

• CA(SA) or equivalent qualification, or more than 10 years of corporate credit experience.
• Experience in both Corporate Credit (minimum 5 years) and Retail Credit (minimum 5 years).
• Prior experience with credit management functions as a Sanctioner or Credit Mandate is highly preferred.
• Experience supervising teams (minimum 5 years) is preferred.
• Experience in the petrochemical industry is preferred.
• Fully conversant with IFRS standards (IFRS9) and other regulatory standards related to credit functions.
• Proficient in Microsoft Office, with advanced Excel skills, and SAP4Hana.