Senior Credit Analyst: Strategic Lending & Risk Insights

Placements24; Polokwane; On-site; ZAR 700,000 - 900,000; Full time

Benefits offered by this job

Competitive salary

Bonuses based on performance

Medical aid

Retirement fund

Professional development in banking

Job summary

Placements24 in Polokwane, Limpopo, is seeking a Senior Credit Analyst to join its lending division. You will assess borrower creditworthiness, analyze financial statements, cash flows, and market data to support loan decisions.

The role requires at least five years in credit analysis, strong modeling skills, and knowledge of SA banking regulations. You will prepare credit reports, monitor portfolios, and mentor junior analysts while interacting with clients.

Qualifications

• Bachelor's degree in Finance, Economics, Accounting, or related field.
• Minimum 5 years of credit analysis or lending experience.
• Strong financial statement, ratio, and cash flow analysis skills.
• Proficiency in financial modeling and loan structuring.
• Knowledge of SA banking regulations and credit practices.

Responsibilities

• Analyze borrower credit risk from financial statements and cash flows.
• Prepare credit reports and present findings to the credit committee.
• Monitor loan portfolios for deterioration and covenant compliance.
• Develop relationships with clients to understand business needs.
• Ensure adherence to credit policies and regulatory requirements.
• Conduct industry and market research to support assessments.
• Assist in structuring credit facilities to meet client needs.
• Respond to client inquiries on credit matters.
• Mentor junior credit analysts.

Skills

Credit analysis

Financial modeling

Loan structuring

Financial reporting

Communication

Regulatory knowledge

Education

Bachelor's degree in Finance/Economics/Accounting/Business Administration

Tools

Excel

MS Office

Loan origination systems

Job description

Placements24 in Polokwane, Limpopo, is seeking a Senior Credit Analyst to join its lending division. You will assess borrower creditworthiness, analyze financial statements, cash flows, and market data to support loan decisions.

The role requires at least five years in credit analysis, strong modeling skills, and knowledge of SA banking regulations. You will prepare credit reports, monitor portfolios, and mentor junior analysts while interacting with clients.