Senior Credit Analyst: Risk & Decision Support

JVR Software; Gauteng; On-site; ZAR 480,000 - 720,000; Full time

Job summary

JVR Software in Gauteng is seeking a Credit Risk Analyst to gather and analyse financial information from loan applicants, evaluate creditworthiness of individuals and entities, and perform comprehensive risk assessments using market and industry data.

You will collaborate with financial specialists and credit committees to support decisions, prepare detailed assessment reports, ensure compliance with policy and regulatory requirements, and maintain strong stakeholder relationships in a

Qualifications

• Matric certificate or equivalent.
• Degree in Business, Accounting, Finance, Credit Risk, or related field.
• 3–5 years’ experience in a similar credit or financial risk role.
• Advanced computer literacy, with strong proficiency in Microsoft Excel.
• Valid Code 8 driver’s licence.
• Strong analytical and problem-solving abilities.
• Ability to work independently as well as collaboratively in a fast-paced environment.
• Excellent verbal and written communication skills in English.

Responsibilities

• Gather and analyse financial information from loan applicants to assess creditworthiness.
• Evaluate the creditworthiness of individuals, companies, and institutions.
• Conduct risk assessments using regional, industry-specific and other relevant financial data.
• Collaborate with financial specialists and Credit Committee members to support decisions to approve or decline finance applications.
• Make informed recommendations regarding the approval, adjustment, extension, increase, or closure of credit facilities.
• Prepare and present detailed credit assessment reports and recommendations.
• Conduct quality assurance reviews to ensure accuracy, completeness, and compliance.
• Stay informed of market trends and developments that may impact credit risk.
• Monitor and ensure compliance with collateral requirements and financial covenants.
• Ensure that all financing transactions are concluded in accordance with company policies, procedures, and regulatory requirements.
• Analyse and verify financial and supporting data to ensure accuracy and reliability.
• Contribute to ongoing review and improvement of credit rating criteria and risk assessment processes.
• Communicate credit decisions, policies, and requirements clearly to internal stakeholders and credit applicants.
• Oversee and/or perform the preparation, review, and verification of all relevant credit and supporting documentation.

Skills

Analytical thinking

Problem-solving

Attention to detail

Excel proficiency

English communication

Independent working

Team collaboration

Organizational skills

Education

Bachelor's degree in Business/Accounting/Finance

Tools

Microsoft Excel

Job description

JVR Software in Gauteng is seeking a Credit Risk Analyst to gather and analyse financial information from loan applicants, evaluate creditworthiness of individuals and entities, and perform comprehensive risk assessments using market and industry data.

You will collaborate with financial specialists and credit committees to support decisions, prepare detailed assessment reports, ensure compliance with policy and regulatory requirements, and maintain strong stakeholder relationships in a