About the position
Credit Analyst (EE)
Location: Bryanston, Gauteng
Employment Type: Permanent
Package: Negotiable, up to R450 000 per annum (inclusive of Provident Fund)
Role Purpose
The Credit Analyst will contribute to the effectiveness of the overall credit function by assessing the creditworthiness of SME and Public Sector clients for asset finance transactions. The role requires sound judgment, strong financial analysis skills, and strict adherence to the Group's Credit Policy.
Key Responsibilities
Credit Assessment & Approval
- Analyse and assess credit applications to determine risk exposure and approval suitability
- Approve credit facilities within delegated mandate
- Escalate transactions outside of mandate to the Credit Manager
- Ensure accurate, timely communication of credit decisions to internal stakeholders
- Maintain ongoing liaison with Sales and clients regarding credit submissions
- Assist with the development, review, and implementation of credit policies and procedures
- Support the resolution of escalated credit-related queries
Credit & Financial Analysis
- Analyse financial and non-financial information for SME and Public Sector clients
- Conduct comprehensive risk assessments on submitted credit data
- Provide clear, meaningful insights and recommendations to stakeholders
- Apply sound judgment in evaluating business sustainability and repayment capacity
Application & Process Management
- Maintain and monitor the full register of credit applications
- Ensure accurate and up-to-date tracking using MS Excel
- Support Credit Team meetings, including scheduling and minute-taking where required
Stakeholder Relationship Management
- Build and maintain strong relationships with internal and external stakeholders
- Adapt communication style to suit various audiences
- Engage regularly with Sales teams, Business Managers, and Funders
- Share updates, insights, and guidance with peers and stakeholders
Ad-Hoc Projects
- Participate in credit-related and broader business projects as required
- Consult with relevant stakeholders to ensure effective implementation
- Monitor financial implications and take corrective action where necessary
Skills, Qualifications & Experience
Qualifications
- Relevant Degree or Qualification in Credit Risk Management or
- Accounting Diploma/Certificate (advantageous)
Experience
- Minimum of 5 years' credit experience, preferably within asset finance, SME, or public sector lending
Key Competencies
- Strong understanding of credit lending principles
- Solid knowledge of business financial statements
- Sound commercial and business acumen
- Strong analytical and problem-solving skills
- Excellent verbal and written communication abilities
- Ability to work under pressure and manage multiple priorities
- Proficient in MS Office (advanced Excel advantageous)
- Good understanding and application of business technologies
- Awareness and practical understanding of AI tools within a business environment
Desired Skills:
- Credit Lending
- Credit Analysis
- Credit rating
- Interest Rate
- Credit risk
- Credit Risk Management
- Creditworthiness
- Financing
- Credit
Desired Work Experience:
Desired Qualification Level:
About The Employer:
Credit Analyst (EE)
Location: Bryanston, Gauteng
Employment Type: Permanent
Package: Negotiable, up to R450 000 per annum (inclusive of Provident Fund)
Role Purpose
The Credit Analyst will contribute to the effectiveness of the overall credit function by assessing the creditworthiness of SME and Public Sector clients for asset finance transactions. The role requires sound judgment, strong financial analysis skills, and strict adherence to the Group's Credit Policy.
