Senior Credit Analyst

Placements24; Stellenbosch; On-site; ZAR 900,000 - 1,300,000; Full time

Benefits offered by this job

Competitive salary

Medical benefits

Retirement plan

Professional development

Diverse client exposure

Job summary

Placements24 is seeking an experienced Senior Credit Analyst to join its risk management team in Stellenbosch. The role focuses on assessing creditworthiness of borrowers, analyzing financial data, and guiding lending decisions for a healthy loan portfolio.

You will prepare comprehensive reports and present recommendations to lending committees. The ideal candidate will have deep credit knowledge, strong analytical skills, and a meticulous approach to risk assessment within a dynamic financial

Qualifications

• Bachelor's degree in Finance, Accounting, Economics or related quantitative field.
• Minimum of 6 years of experience in credit analysis, commercial lending, or risk management.
• Proficiency in financial statement analysis, cash flow analysis, and ratio analysis.
• Strong understanding of credit risk assessment, loan structuring, and collateral valuation.
• Excellent analytical, problem-solving, and written communication skills.

Responsibilities

• Analyze financial statements, credit reports, and other relevant data to assess borrower risk.
• Prepare detailed credit reports and present findings and recommendations to credit committees.
• Monitor the financial performance of existing borrowers and identify potential credit deterioration.
• Develop and maintain credit risk models and assessment methodologies.
• Ensure compliance with internal credit policies, regulatory requirements, and industry best practices.
• Collaborate with relationship managers to structure loans and negotiate terms that align with risk appetite.

Skills

Credit analysis

Financial analysis

Risk management

Cash flow analysis

Education

Bachelor's degree in Finance/Accounting/Economics

Job description

About the Role

Our client is seeking an experienced and meticulous Senior Credit Analyst to join their risk management team in Stellenbosch . This role is critical in assessing the creditworthiness of potential borrowers and existing clients, ensuring the financial institution maintains a healthy loan portfolio and mitigates risk effectively. You will conduct in-depth financial analysis, evaluate loan applications, and provide well-reasoned recommendations to lending committees. The ideal candidate possesses strong analytical acumen, a deep understanding of credit principles, and a keen eye for detail, contributing to sound financial decision-making within the vibrant academic and business hub of Stellenbosch .

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 credit committees.
• Monitor the financial performance of existing borrowers and identify potential credit deterioration.
• Develop and maintain credit risk models and assessment methodologies.
• Ensure compliance with internal credit policies, regulatory requirements, and industry best practices.
• Collaborate with relationship managers to structure loans and negotiate terms that align with risk appetite.

Requirements

• Bachelor's degree in Finance, Accounting, Economics, or a related quantitative field.
• Minimum of 6 years of experience in credit analysis, commercial lending, or risk management.
• Proficiency in financial statement analysis, cash flow analysis, and ratio analysis.
• Strong understanding of credit risk assessment, loan structuring, and collateral valuation.
• Excellent analytical, problem-solving, and written communication skills.
• Familiarity with credit scoring models and regulatory frameworks in the banking and finance sector .

Benefits

• Competitive salary with performance-based incentives.
• Comprehensive medical and retirement benefits.
• Opportunities for continued professional development and advanced training.
• Exposure to a diverse range of clients and financial products.
• Be a key player in maintaining the financial integrity of a respected institution in Stellenbosch .