Senior Credit Risk Analyst, Vehicle & Asset Finance

FAW group; Johannesburg; On-site; ZAR 550,000 - 830,000; Full time

Job summary

The FAW group seeks a Senior Credit Risk Analyst to assess corporate and fleet financing applications in the vehicle sector. You will evaluate creditworthiness, repayment capacity and risk, and provide structured recommendations on limits, terms and mitigations.

You will monitor the existing portfolio, perform detailed financial analysis and contribute to the development of our credit risk framework, ensuring adherence to internal policies and regulatory requirements.

Qualifications

• Matric or higher.
• Degree or postgraduate qualification in Business, Economics/Accounting/Finance/Credit Risk, Banking, Business Management, Financial Management.
• Proven experience analysing corporate financial statements and cash flows.
• Experience preparing professional Credit Committee papers or Credit Memoranda.
• Minimum 3-5 years’ experience in Credit Risk, Commercial Credit, Vehicle & Asset Finance or related financial service environment.
• Strong Excel skills.
• Experience with SAP, Power BI, credit management systems, loan origination systems or similar financial systems will be advantageous.

Responsibilities

• Conduct independent credit assessments of corporate customers, fleet operators, dealers, distributors and other financing applicants.
• Review the applicant’s legal status, ownership structure, ultimate beneficial ownership, business model, operating history, management capability and financing purpose.
• Prepare professional Credit Assessment Reports and Credit Committee Memoranda.
• Present significant credit applications to the relevant Credit Committee or management approval authority.
• Perform detailed financial ratio analysis (liquidity, leverage, profitability, DSCR, cash flow).
• Monitor the existing credit portfolio and ensure compliance with risk framework and regulatory requirements.

Skills

Advanced Excel

Education

Degree or Postgraduate Diploma in Business/Economics/Accounting/Finance/Credit Risk/Banking/Management

Tools

SAP

Power BI

Credit management systems

Loan origination systems

Job description

The FAW group seeks a Senior Credit Risk Analyst to assess corporate and fleet financing applications in the vehicle sector. You will evaluate creditworthiness, repayment capacity and risk, and provide structured recommendations on limits, terms and mitigations.

You will monitor the existing portfolio, perform detailed financial analysis and contribute to the development of our credit risk framework, ensuring adherence to internal policies and regulatory requirements.