Senior Credit Analyst - Corporate Banking

Placements24; East London; Hybride; ZAR 700 000 - 980 000; Plein temps

Avantages offerts par ce poste

Competitive salary & bonus structure

Medical aid & retirement fund benefits

Generous annual leave entitlement

Professional development & certs

Exposure to diverse corporate client

Collaborative team environment & Ment­

Flexible hybrid working arrangements

Modern East London office facilities

Career growth within a leading bank

Company-sponsored training programs

Résumé du poste

Placements24 is seeking a Senior Credit Analyst for a leading financial institution in East London. The role combines in-office collaboration at the East London branch with remote work, focusing on creditworthiness assessment, loan structuring, and portfolio monitoring.

The ideal candidate has 5+ years in credit analysis or corporate banking, strong financial statement skills, and a track record in risk management within banking.

Qualifications

• Bachelor's degree in Finance, Economics, Accounting or related field.
• Minimum 5 years' experience in credit analysis, corporate banking, or related financial role.
• Strong financial statement analysis, ratio analysis and cash flow modeling.
• Ability to work effectively in a hybrid environment.

Responsabilités

• Conduct thorough credit analysis of corporate clients, including financial statement analysis, cash flow projections, and industry risk assessment.
• Evaluate loan proposals, assess credit risk, and recommend appropriate loan structures and terms.
• Prepare detailed credit memorandums and present credit recommendations to loan committees.
• Monitor the financial health of existing corporate borrowers and identify potential risks or early warning signs.
• Review loan covenants and ensure compliance by clients.
• Work collaboratively with relationship managers to understand client needs and provide tailored credit solutions.
• Stay abreast of market trends, economic conditions, and regulatory changes impacting corporate lending.
• Ensure compliance with internal credit policies and regulatory requirements.
• Participate in portfolio reviews and stress testing exercises.
• Mentor and guide junior credit analysts as needed.

Connaissances

Analytical thinking

Problem solving

Decision making

Written communication

Verbal communication

Teamwork

Hybrid work

Formation

Bachelor's degree in Finance/Economics/Accounting

Master's degree or MBA (advantage)

Outils

Credit risk software

Description du poste

About the Role

Our client, a leading financial institution with a key presence in East London , is seeking a seasoned Senior Credit Analyst to strengthen their Corporate Banking division. This hybrid role offers a balance between essential in-office collaboration at our East London branch and the flexibility of remote work. You will be responsible for analyzing the creditworthiness of corporate clients, evaluating loan applications, structuring credit facilities, and monitoring existing loan portfolios. The ideal candidate possesses a strong understanding of financial statement analysis, risk assessment, and corporate finance principles, with a proven track record in the banking sector. Working closely with relationship managers and senior management, you will play a critical role in assessing and managing credit risk, contributing to the bank's sound financial health and growth objectives within the Eastern Cape .

Key Responsibilities

• Conduct thorough credit analysis of corporate clients, including financial statement analysis, cash flow projections, and industry risk assessment.
• Evaluate loan proposals, assess credit risk, and recommend appropriate loan structures and terms.
• Prepare detailed credit memorandums and present credit recommendations to loan committees.
• Monitor the financial health of existing corporate borrowers and identify potential risks or early warning signs.
• Review loan covenants and ensure compliance by clients.
• Work collaboratively with relationship managers to understand client needs and provide tailored credit solutions.
• Stay abreast of market trends, economic conditions, and regulatory changes impacting corporate lending.
• Ensure compliance with internal credit policies and regulatory requirements.
• Participate in portfolio reviews and stress testing exercises.
• Mentor and guide junior credit analysts as needed.

Requirements

• Bachelor's degree in Finance, Economics, Accounting, or a related field; Master's degree or MBA is an advantage.
• Minimum of 5 years of experience in credit analysis, corporate banking, or a related financial role.
• Strong proficiency in financial statement analysis, ratio analysis, and cash flow modeling.
• In-depth knowledge of credit risk assessment methodologies and loan structuring.
• Understanding of corporate finance principles and capital markets.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong written and verbal communication skills, with the ability to present complex information clearly.
• Ability to work effectively independently and as part of a team in a hybrid environment.
• Detail-oriented with strong organizational and time management skills.
• Familiarity with credit risk management systems and software.

Benefits

• Competitive salary and performance-related bonus structure.
• Comprehensive medical aid and retirement fund benefits.
• Generous annual leave entitlement.
• Opportunities for professional development and relevant certifications.
• Exposure to a diverse corporate client base.
• Collaborative team environment and mentorship opportunities.
• Flexible hybrid working arrangements.
• Modern office facilities in East London .
• Career growth prospects within a leading financial institution.
• Company-sponsored training programs.