We’re on the lookout for a sharp and analytical Credit Analyst to join our team. In this role, you’ll be the person who dives deep into the details, sifting through financial data to help us make smart, informed lending decisions. You’ll be the gatekeeper, ensuring that we approve loans for clients who are in a good position to pay them back. This is a great opportunity for someone with a knack for numbers and a strong sense of responsibility. If you’re passionate about risk assessment and love a good challenge, we’d love to hear from you.

Key Responsibilities:

• Financial Analysis: You’ll be responsible for meticulously reviewing and analyzing financial statements, credit reports, and other documents submitted by loan applicants. Your job is to spot trends and potential risks, giving us the full picture of a client’s financial health.
• Risk Assessment: You’ll use your analytical skills to determine the creditworthiness of applicants. This means identifying and evaluating all the factors that could impact a loan’s success, and then presenting a clear, well-supported recommendation to the underwriting team.
• Case Preparation: You’ll prepare detailed credit summaries and reports for each loan application. These reports need to be clear and concise, providing a solid foundation for our final decision-making process.
• Compliance: You’ll need to make sure every loan we process is fully compliant with our internal policies and all relevant South African financial regulations. Attention to detail here is a must.
• Team Collaboration: You’ll be working closely with our Loan Officers and Underwriters, providing them with the insights they need to succeed. Being a good communicator and a team player is key.

Qualifications and Requirements:

• A degree in Finance, Accounting, Economics, or a related field.
• [Insert number, e.g., 2-3] years of experience in a credit analysis or similar role.
• A solid understanding of financial statements and financial modeling.
• Familiarity with South African credit regulations and lending practices.
• Strong analytical skills and the ability to think critically.
• Excellent written and verbal communication skills. You’ll need to be able to translate complex financial data into simple, clear recommendations.
• Proficiency in Microsoft Excel and financial analysis software.