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

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