Credit Analyst
On-siteJohannesburg, Gauteng, South Africa
Job Summary
Conduct comprehensive financial analysis of client data, including cash flow modelling, sensitivity analysis, and stress-testing to evaluate credit exposure and liability. Undertake key research of client businesses, industries, and legislation to derive insights and propose solutions to credit structure challenges. Collaborate with stakeholders to build relationships for gathering relevant information and present findings to line management or the credit committee. Advise junior team members on client credit reviews and ensure compliance with statutory, legislative, policy, and governance requirements. Review existing processes to suggest innovations that streamline operations and drive efficiencies.
Required Qualifications
- Credit risk analysis
- Client financial information analysis
- Key research of client business, industries, and legislation
- Comprehensive financial analysis of client data
- Credit exposure and liability assessment
- Cash flow modelling
- Sensitivity analysis
- Credit structure assessment
- Scenario analysis
- Stress-testing
- Industry and legislative developments knowledge
- Statutory, legislative, policy and governance requirements compliance
- Teamwork and inclusivity
- Collaborative relationships across area of specialisation
- Process review and improvement
- Reporting, decision making and identification of improvement opportunities input
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