Senior Credit Analyst

Our client, a prominent financial institution based in Klerksdorp, North West , is seeking a seasoned Senior Credit Analyst to bolster their lending division. This role is crucial for assessing the creditworthiness of corporate clients, managing loan portfolios, and mitigating credit risk. The ideal candidate will possess a deep understanding of financial statement analysis, risk assessment methodologies, and regulatory compliance within the banking sector.

You will play a key part in evaluating complex credit proposals, structuring loan facilities, and monitoring existing exposures. This is an excellent career opportunity for an experienced credit professional to contribute significantly to a respected financial entity in North West .

• Conduct comprehensive financial analysis of corporate borrowers, including financial statements, cash flow projections, and industry analysis.
• Assess credit risk and structure appropriate loan facilities, covenants, and pricing.
• Prepare detailed credit reports and recommendations for loan approval or rejection.
• Monitor existing loan portfolio performance, identifying potential risks and recommending proactive measures.
• Ensure compliance with internal credit policies and external regulatory requirements.
• Engage with clients to gather necessary information and discuss financial performance and credit needs.
• Collaborate with relationship managers and other stakeholders to ensure effective risk management.
• Stay updated on economic conditions and industry trends that may impact credit quality.

• Bachelor's degree in Finance, Accounting, Economics, or a related field.
• Minimum of 5 years of experience in credit analysis, corporate banking, or a related financial role.
• Strong understanding of financial statement analysis, ratio analysis, and cash flow modeling.
• Proficiency in credit risk assessment tools and methodologies.
• Knowledge of relevant banking regulations and compliance standards.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong written and verbal communication skills, with the ability to articulate complex credit issues.
• Proficiency in Microsoft Office Suite, particularly Excel.
• Ability to work effectively in a hybrid model, balancing office and remote responsibilities in Klerksdorp, North West .

• Competitive salary commensurate with experience.
• Comprehensive health insurance and retirement benefits.
• Opportunities for professional development and industry certifications.
• Hybrid work arrangement for a better work-life balance.
• Generous annual leave and public holiday allocation.
• Access to continuous training programs.
• A supportive and professional working environment in Klerksdorp, North West .