Senior Credit Risk Analyst — Portfolio Health & Insights

Placements24; Mossel Bay; Sur place; ZAR 900 000 - 1 300 000; Plein temps

Avantages offerts par ce poste

Competitive salary range

Performance-based bonuses

Medical aid

Retirement fund

Life insurance

Résumé du poste

Placements24 in Mossel Bay, Western Cape, invites applications for a Senior Risk Analyst (Credit Risk). The role focuses on assessing creditworthiness, developing risk models, and ensuring portfolio health in a dynamic banking environment.

You will analyze credit applications, validate models, monitor performance, conduct stress testing, and report to senior management. The ideal candidate has a 4+ year background in credit risk, proficiency in R/Python/SAS, strong Excel skills, and a track

Qualifications

• Bachelor’s degree in finance, economics, mathematics, statistics or related quantitative field.
• Minimum 4 years in credit risk analysis, financial analysis or related banking/financial services role.
• Strong understanding of credit risk principles and financial statement analysis.
• Proficiency in statistical software (R, Python, SAS) and advanced Excel.
• Experience with credit risk modeling techniques and data analysis tools.
• Excellent analytical, problem-solving and quantitative skills.
• Strong written and verbal communication, with the ability to present complex information clearly.

Responsabilités

• Analyze credit applications and financial statements to assess credit risk.
• Develop, implement, and validate credit risk models, scoring systems, and rating methodologies.
• Monitor loan portfolio performance and identify early warning signs of defaults.
• Conduct stress testing and scenario analysis on the credit portfolio.
• Prepare detailed credit risk reports and present findings to senior management.
• Ensure compliance with internal credit policies and external regulatory requirements (e.g., Basel accords).
• Collaborate with lending teams to provide insights on credit decisions.
• Stay updated on industry best practices and emerging trends in credit risk management.
• Contribute to development and refinement of credit risk policies and procedures.
• Mentor and guide junior risk analysts.

Connaissances

Credit risk analysis

R/Python/SAS

Excel (advanced)

Data analysis

Analytical thinking

Communication skills

Formation

Bachelor's degree in quantitative field

Master's degree advantageous

Outils

Credit risk modeling software

Description du poste

Placements24 in Mossel Bay, Western Cape, invites applications for a Senior Risk Analyst (Credit Risk). The role focuses on assessing creditworthiness, developing risk models, and ensuring portfolio health in a dynamic banking environment.

You will analyze credit applications, validate models, monitor performance, conduct stress testing, and report to senior management. The ideal candidate has a 4+ year background in credit risk, proficiency in R/Python/SAS, strong Excel skills, and a track