Credit Analyst

SUMMARY:
https://app.ismartrecruit.com/jobDescription?x=E7pd2F0ZXJzaGVkY29uc3VsdGluZy5jby56YV8yMjU5X0VYRUNVVElWRVBMQUNFTUVOVA==Q9e

POSITION INFO:
Credit Analyst Location: Gauteng (East Rand), South Africa Reporting To: Financial & Insurance (F&I) Manager Primary Responsibilities Financial Risk Evaluation: Gather and analyze financial data from loan applicants to evaluate risk and determine the creditworthiness of individuals, companies, and close corporations. Credit Decisioning & Adjustments: Formulate strategic recommendations to increase, adjust, extend, or close lines of credit. Collaborate directly with other financial experts and members of the credit committee to approve or decline finance applications. Comprehensive Risk Analysis: Undertake thorough risk analysis using regional, sector-specific, environmental, and financial data while staying highly aware of broader market trends. Compliance & Quality Assurance: Ensure all vehicle financing is concluded in strict adherence to company policies and regulations. Complete thorough quality assurance reviews and continuously monitor adherence to collateral compliance covenants. Reporting & Data Analysis: Prepare and present detailed corporate credit reports, and analyze data to verify the integrity of all submitted financial information. Process Optimization: Assist the department in continuously updating, refining, and improving internal credit rating criteria and risk scorecards. Stakeholder Coordination: Oversee or directly undertake necessary loan document preparation and checking. Clearly communicate credit decisions, risk parameters, and policies to internal teams and credit applicants. Minimum Requirements & Personal Attributes Education: A Matric certificate or higher, alongside a completed Degree or equivalent qualification in Business, Accounting, Finance, or Credit Risk Management. Experience: Minimum of 3 to 5 years of successful experience in a similar corporate credit analysis or asset-finance evaluation role. Technical Skills: Strong software skills, specifically Advanced MS Excel (for complex data analysis and verification). Licensing: Valid Code 8 driver's license. Personal Attributes: Confident, proactive approach with a proven ability to anticipate issues and departmental requirements before they arise. Ability to work effectively both independently and as part of an active team in a fast-paced corporate environment. Strong interpersonal and customer service skills, with a history of forming and maintaining solid business relationships. Exceptional organizational capabilities and high attention to detail. Must be a team player who can read and write fluently in professional English.