Senior Credit Analyst

Placements24; Gqeberha; On-site; ZAR 600,000 - 900,000; Full time

Benefits offered by this job

Medical aid

Retirement fund

Career development

Job summary

Placements24 is seeking a meticulous Senior Credit Analyst for their Port Elizabeth lending division. You will assess borrower risk, analyze financial statements, and prepare reports for the credit committee.

The role requires a Bachelor’s degree and 4+ years in credit analysis or risk management, with strong Excel skills and knowledge of lending regulations. A collaborative, detail-oriented professional will thrive in this environment.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics or related discipline.
• 4+ years of experience in credit analysis, lending or financial risk management.
• Strong skills in financial statement analysis, cash flow forecasting and ratio analysis.
• Proficiency in Excel for financial modelling and data analysis.
• Knowledge of credit scoring models and lending regulations.
• Excellent written and verbal communication with ability to present complex information clearly.

Responsibilities

• Analyze financial statements and credit reports to assess borrower risk.
• Prepare detailed credit reports and present findings to the credit committee.
• Monitor loan portfolios to identify risks and covenant breaches.
• Ensure compliance with internal credit policies and regulatory requirements.
• Develop relationships with internal stakeholders and loan officers.
• Contribute to improvement of credit assessment processes and tools.

Skills

Credit analysis

Financial statement analysis

Excel

Regulatory knowledge

Communication

Education

Bachelor’s degree

Job description

Our client is seeking a meticulous and experienced Senior Credit Analyst to join their lending division in Port Elizabeth . This critical role focuses on assessing the creditworthiness of potential borrowers, analyzing financial statements, and making informed recommendations on loan applications. You will play a key part in managing the company's loan portfolio risk and ensuring adherence to credit policies and procedures within the Banking & Finance sector. The successful candidate will possess strong analytical skills, a keen eye for detail, and a solid understanding of financial risk assessment.

Key Responsibilities

• Analyze financial statements, credit reports, and other relevant data to assess borrower risk.
• Prepare detailed credit reports and present findings and recommendations to the credit committee.
• Monitor existing loan portfolios, identifying potential risks and covenant breaches.
• Ensure compliance with internal credit policies, procedures, and regulatory requirements.
• Develop and maintain strong relationships with internal stakeholders and loan officers.
• Contribute to the continuous improvement of credit assessment processes and tools.

Requirements

• Bachelor's degree in Finance, Accounting, Economics, or a related discipline.
• Minimum of 4 years of experience in credit analysis, lending, or financial risk management.
• Strong understanding of financial statement analysis, cash flow forecasting, and ratio analysis.
• Proficiency in Excel for financial modeling and data analysis.
• Knowledge of credit scoring models and lending regulations.
• Excellent written and verbal communication skills, with the ability to present complex information clearly.

Benefits

• Competitive salary commensurate with experience and qualifications.
• Comprehensive medical aid and retirement fund benefits.
• Opportunities for professional development and credit risk certification.
• A collaborative work environment in Port Elizabeth with potential for career advancement.
• Contribution to the financial stability and growth of clients through responsible lending.