Senior Credit Analyst | Commercial & Asset Finance

Innovazi Consulting (Pty) Ltd; Gauteng; On-site; ZAR 600,000 - 900,000; Full time

Job summary

Innovazi Consulting (Pty) Ltd is seeking a Senior Credit Analyst to assess complex commercial credit applications, analyze financial statements, and support lending decisions in Gauteng. You will evaluate affordability, liquidity, and collateral, prepare comprehensive credit reports, and present recommendations to credit committees.

You will also lead deal evaluation, structure transactions, monitor portfolios, and mentor junior analysts while ensuring compliance with FICA and lending

Qualifications

• Minimum 5 years' credit analysis experience.
• Experience in Asset Finance, Equipment Finance, Commercial Lending, Structured Finance, Specialist Finance.

Responsibilities

• Analyse complex commercial credit applications and funding transactions.
• Assess financial statements, management accounts, cash flows, bank statements, debt schedules and supporting financial information.
• Evaluate affordability, repayment capacity, liquidity, gearing, working capital and overall creditworthiness.
• Identify key credit risks, warning signs and potential areas of concern.
• Conduct detailed financial and cash flow analysis to support lending decisions.
• Assess commercial and asset-backed funding opportunities across various industries.
• Structure transactions by recommending deposits, repayment terms, security requirements, pricing and risk mitigation measures.
• Evaluate profitability and return on risk.
• Recommend alternative structures to support viable transactions within risk appetite.
• Assess asset values, marketability and recovery prospects.
• Review security structures, sureties, guarantees and collateral arrangements.
• Evaluate recovery risk, forced-sale values and security enforceability.
• Consider repayment ability and likely recovery outcomes in adverse scenarios.
• Prepare comprehensive credit reports with clear recommendations.
• Present and defend recommendations to management and approving authorities.
• Clearly identify key risks and recommend practical mitigation strategies.
• Make approval, decline or conditional approval recommendations based on thorough analysis.
• Monitor existing portfolios and identify emerging risks.
• Assess arrears, deteriorating performance and early warning indicators.
• Recommend interventions, restructures or recovery actions where appropriate.
• Review work prepared by junior analysts.
• Provide technical guidance, coaching and quality assurance.
• Assist in improving credit processes, reporting standards and assessment methodologies.

Skills

Credit analysis

Advanced Excel

Financial statement analysis

Cash flow modelling

Deal structuring

Credit reporting

Presenting recommendations

Mentorship

Education

Degree in Finance/Accounting/Economics/Risk Management

Tools

CRM systems

Credit workflow software

Job description

Key Responsibilities

Credit Risk Assessment & Financial Analysis

• Analyse complex commercial credit applications and funding transactions.
• Assess financial statements, management accounts, cash flows, bank statements, debt schedules and supporting financial information.
• Evaluate affordability, repayment capacity, liquidity, gearing, working capital and overall creditworthiness.
• Identify key credit risks, warning signs and potential areas of concern.
• Conduct detailed financial and cash flow analysis to support lending decisions.

Deal Evaluation & Structuring

• Assess commercial and asset-backed funding opportunities across various industries.
• Structure transactions by recommending appropriate deposits, repayment terms, security requirements, pricing and risk mitigation measures.
• Evaluate profitability and return on risk.
• Recommend alternative structures where appropriate to support commercially viable transactions within risk appetite.

Asset & Security Evaluation

• Assess asset values, marketability and recovery prospects.
• Review security structures, sureties, guarantees and collateral arrangements.
• Evaluate recovery risk, forced-sale values and security enforceability.
• Consider both repayment ability and likely recovery outcomes in adverse scenarios.

Credit Reporting & Decision Support

• Prepare comprehensive credit reports with clear recommendations.
• Present and defend recommendations to management and approving authorities.
• Clearly identify key risks and recommend practical mitigation strategies.
• Make approval, decline or conditional approval recommendations based on thorough analysis.

Portfolio Monitoring & Risk Management

• Monitor existing portfolios and identify emerging risks.
• Assess arrears, deteriorating performance and early warning indicators.
• Recommend interventions, restructures or recovery actions where appropriate.

Leadership & Mentorship

• Review work prepared by junior analysts.
• Provide technical guidance, coaching and quality assurance.
• Assist in improving credit processes, reporting standards and assessment methodologies.

Minimum Requirements

• Relevant degree or qualification in Finance, Accounting, Economics, Risk Management or a related field.
• Minimum 5 years' credit analysis experience, including the assessment of complex commercial transactions.
• Experience within:
  • Asset Finance
  • Equipment Finance
  • Commercial Lending
  • Structured Finance
  • Specialist Finance

Essential Experience

• Commercial credit analysis and risk assessment.
• Financial statement analysis and cash flow modelling.
• Affordability and debt servicing assessments.
• Asset-backed lending and security evaluation.
• Deal structuring and profitability analysis.
• Credit report preparation and recommendation writing.
• Presenting recommendations to credit committees or approving authorities.
• Portfolio monitoring and credit risk management.
• Compliance knowledge, including FICA and relevant lending regulations.
• Advanced Excel skills and experience with credit workflow or CRM systems.

Highly Advantageous Industry Exposure

Experience assessing transactions involving:

• Mining
• Construction
• Earthmoving Equipment
• Transport & Trucking
• Aviation
• Agriculture
• Power Generation
• Other asset-intensive industries

Key Competencies

• Strong independent credit judgement
• Commercially minded decision-making
• Excellent analytical and problem-solving skills
• Ability to identify and challenge risk appropriately
• Strong communication and report-writing abilities
• High attention to detail and accuracy
• Ability to work independently and manage multiple transactions simultaneously
• Confidence to decline transactions where risk cannot be adequately mitigated
• Mentorship and leadership capability

Ideal Candidate Profile

We are looking for a commercially minded credit professional who can independently evaluate complex transactions, challenge assumptions, identify risks, and make balanced recommendations that support both prudent risk management and profitable growth. Candidates whose experience is primarily administrative or limited to compiling credit applications without conducting independent credit assessment, risk evaluation and deal structuring will be less suited to this opportunity.