Senior Credit Analyst

Placements24; Mtubatuba Local Municipality; Ibrido; ZAR 550.000 - 900.000; Tempo pieno

Vantaggi offerti da questo lavoro

Hybrid work model

Competitive remuneration

Medical aid & Life insurance

Provident fund

Descrizione del lavoro

Placements24 is partnering with a respected financial services provider in Richards Bay, KwaZulu-Natal, to recruit a seasoned Senior Credit Analyst. The role focuses on assessing creditworthiness, building credit models, and ensuring regulatory compliance to safeguard assets.

The successful candidate will work in a hybrid setup, collaborating with loan officers and risk teams. With at least four years in credit analysis, you will analyze financial statements, develop forecasts, and prepare

Competenze

• Bachelor's degree in Finance, Accounting, Economics, or a related business field.
• Minimum of 4 years of experience in credit analysis, risk management, or a related role.
• Strong understanding of financial statement analysis, ratio analysis, and cash flow evaluation.
• Proficiency in credit scoring models and loan structuring principles.
• Excellent analytical, quantitative, and problem-solving skills.
• Solid knowledge of banking regulations and compliance standards.
• Proficient in Microsoft Excel for financial modeling.
• Strong written and verbal communication skills.
• Experience working within Richards Bay, KwaZulu-Natal is advantageous.

Mansioni

• Analyze financial statements, credit reports, and data to assess the credit risk of commercial and retail clients.
• Develop and maintain financial models to forecast borrower repayment capacity.
• Prepare detailed credit reports and recommendations for loan approval or rejection.
• Monitor existing loan portfolios, identify potential risks, and recommend appropriate actions.
• Ensure compliance with internal credit policies, procedures, and regulatory requirements.
• Conduct industry and market research to understand economic factors affecting credit risk.
• Collaborate with loan officers and relationship managers to structure credit facilities.
• Participate in credit committee meetings and present analysis and recommendations.
• Mentor junior credit analysts and contribute to team development.

Conoscenze

Credit analysis

Financial statement analysis

Cash flow evaluation

Credit scoring models

Loan structuring

Regulatory compliance

Analytical thinking

Excel proficiency

Communication skills

Formazione

Bachelor's degree in Finance/Accounting/Economics

Strumenti

Excel

Descrizione del lavoro

About the Role

Our client, a respected financial services provider in Richards Bay, KwaZulu-Natal , is looking for a seasoned Senior Credit Analyst to join their expanding team. This position is integral to assessing the creditworthiness of potential borrowers and managing the risk associated with lending activities. The successful candidate will possess a keen eye for detail, strong analytical skills, and a thorough understanding of credit principles and financial statement analysis within the Banking & Finance sector. You will play a key role in safeguarding the company's assets by making informed credit decisions and contributing to the development of robust credit policies. This role is perfect for an experienced professional looking to make a significant impact in the Richards Bay area.

Key Responsibilities

• Analyze financial statements, credit reports, and other relevant data to assess the credit risk of commercial and retail clients.
• Develop and maintain financial models to forecast borrower repayment capacity.
• Prepare detailed credit reports and recommendations for loan approval or rejection.
• Monitor existing loan portfolios, identify potential risks, and recommend appropriate actions.
• Ensure compliance with internal credit policies, procedures, and regulatory requirements.
• Conduct industry and market research to understand economic factors affecting credit risk.
• Collaborate with loan officers and relationship managers to structure credit facilities.
• Participate in credit committee meetings and present analysis and recommendations.
• Mentor junior credit analysts and contribute to team development.

Requirements

• A Bachelor's degree in Finance, Accounting, Economics, or a related business field.
• A minimum of 4 years of experience in credit analysis, risk management, or a related role within the financial services industry.
• Strong understanding of financial statement analysis, ratio analysis, and cash flow evaluation.
• Proficiency in credit scoring models and loan structuring principles.
• Excellent analytical, quantitative, and problem-solving skills.
• Solid knowledge of relevant banking regulations and compliance standards.
• Proficient in Microsoft Office Suite, particularly Excel for financial modeling.
• Strong written and verbal communication skills.
• Experience working within the financial sector in Richards Bay, KwaZulu-Natal is advantageous.

Benefits

• Our client provides a competitive remuneration package, including an attractive salary and potential for annual bonuses based on performance.
• Comprehensive medical aid, life insurance, and a provident fund are included.
• This role offers a Hybrid work model, allowing for a balance between office collaboration and remote flexibility.
• Opportunities for professional growth through ongoing training and development programs are provided.
• Employees will enjoy a supportive team environment and the chance to contribute meaningfully to a well-established financial institution in Richards Bay .