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Credit Analyst

Credit Analyst

The HR CompanyDurban, KwaZulu-Natal, South Africa
5 days ago
Job description

Key Responsibilities :

  • Analyse financial statements, cash flows, bank statements, and management accounts to evaluate repayment capability.
  • Conduct credit risk assessments and assign credit ratings in line with internal models and frameworks.
  • Prepare clear, well-structured credit proposals and recommendations for approval.
  • Evaluate collateral / security and ensure documentation meets policy and legal standards.
  • Monitor existing clients for changes in risk profile, early warning flags, and covenants.
  • Conduct industry, market, and competitor research to support lending decisions.
  • Ensure compliance with regulatory requirements, internal controls, and governance standards.
  • Support senior management with insights on client risk, profitability, and deal structuring.

Required Skills & Experience :

  • Bachelors Degree in Finance, Accounting, Economics, or related field.
  • 25 years experience in credit analysis within the banking or financial services sector.
  • Strong understanding of financial statements, ratio analysis, and cash flow evaluation.
  • Exposure to corporate, commercial, business, or SME lending.
  • Working knowledge of credit risk frameworks and lending policies.
  • Proficient in MS Excel and financial modelling.
  • Strong written and verbal communication skills able to present clear recommendations.
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    Credit Analyst • Durban, KwaZulu-Natal, South Africa