Credit Analyst - SME Lending

About the Role

Our client seeks a diligent and analytical Credit Analyst specializing in Small and Medium Enterprise (SME) lending to join their team in Rustenburg . This role is essential for evaluating the creditworthiness of prospective SME clients, assessing risks, and making informed recommendations for loan approvals. You will work closely with the lending team to support business growth while ensuring the bank's loan portfolio remains sound and compliant within the North West province's economic landscape. This position is ideal for individuals passionate about finance and risk management within the banking and finance industry , offering a remote work setup for qualified candidates.

Key Responsibilities

• Conduct thorough financial statement analysis, including cash flow, balance sheet, and income statement assessments for SME applicants.
• Analyze business plans, industry trends, and management capabilities to evaluate risk associated with loan applications.
• Prepare detailed credit reports and recommendations for the credit committee, clearly outlining findings and justifications.
• Monitor the performance of existing SME loans, identifying early warning signs of distress and recommending appropriate actions.
• Ensure all credit decisions and documentation adhere strictly to the bank's policies and regulatory requirements.

Requirements

• Bachelor's degree in Finance, Accounting, Economics, or a related quantitative field.
• A minimum of 3 years of experience in credit analysis, loan underwriting, or a similar role within the financial services sector .
• Strong understanding of SME business operations and financial structures.
• Proficiency in financial analysis techniques, risk assessment methodologies, and relevant software.
• Excellent report writing and presentation skills, with the ability to articulate complex financial information concisely.

Benefits

• Competitive salary commensurate with experience and qualifications.
• Comprehensive health and wellness benefits.
• Opportunities for professional development and certifications in credit risk.
• Flexible remote working arrangements supporting work-life balance.
• Involvement in crucial lending decisions impacting businesses in Rustenburg and surrounding areas.

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