Senior Credit Analyst - Hybrid, Corporate Banking

Placements24; Bloemfontein; Hybrid; ZAR 600,000 - 900,000; Full time

Benefits offered by this job

Medical aid

Retirement annuity

Annual leave

Professional development

Hybrid work

Career advancement incentives

Job summary

Placements24 is seeking an experienced Senior Credit Analyst for our finance client in Bloemfontein. The role combines office collaboration with remote flexibility in a hybrid model, focusing on assessing creditworthiness of corporate clients, managing loan portfolios, and supporting loan approvals.

You will analyze financial statements, conduct industry research, prepare detailed credit reports, and mentor junior analysts while collaborating with risk and relationship teams to uphold strict

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, or related field; a Master’s degree or professional qualification is advantageous.
• Minimum of 4 years of experience in credit analysis, corporate banking, or a similar role within the banking & finance industry.
• Strong knowledge of financial statement analysis, ratio analysis, and cash flow forecasting.
• Proficiency in financial modeling and sensitivity analysis.

Responsibilities

• Analyze financial statements, cash flow projections, and other relevant data to assess the credit risk of corporate clients.
• Prepare comprehensive credit applications and recommendations for loan facilities, ensuring adherence to credit policies and guidelines.
• Monitor the performance of assigned loan portfolios, identifying and addressing potential credit deterioration.
• Conduct industry and market research to understand economic trends and their impact on borrowers.
• Develop and maintain strong relationships with clients and internal stakeholders.
• Assess collateral and covenants associated with loan facilities.
• Ensure compliance with all internal credit policies and external regulatory requirements.
• Mentor and provide guidance to junior credit analysts and participate in credit committee meetings.
• Stay updated on best practices in credit analysis and risk management.

Skills

Financial analysis

Ratio analysis

Cash flow forecasting

Financial modeling

Sensitivity analysis

Excel

Credit scoring

Communication skills

Education

Bachelor's degree in Finance/Accounting/Economics

Master's degree or professional qualification

Tools

MS Office

Credit scoring systems

Job description

Placements24 is seeking an experienced Senior Credit Analyst for our finance client in Bloemfontein. The role combines office collaboration with remote flexibility in a hybrid model, focusing on assessing creditworthiness of corporate clients, managing loan portfolios, and supporting loan approvals.

You will analyze financial statements, conduct industry research, prepare detailed credit reports, and mentor junior analysts while collaborating with risk and relationship teams to uphold strict