Credit Analyst

About the position

Credit Analyst | Cape Town V/A WaterfrontHire Resolve is seeking a meticulous and analytically-minded Credit Analyst to join an innovative financial team in Cape Town. This role is central to executing a robust credit risk framework within the bridging finance sector, ensuring transactional integrity and strict regulatory compliance.

Key Responsibilities:

• Credit Risk Assessment: Conduct comprehensive financial analysis and due diligence on bridging loan applications for property sellers and estate agents.
  
  
• Underwriting: Evaluate creditworthiness using financial data and credit reports, assisting in structuring terms that align with the company’s risk appetite.
  
  
• Regulatory Compliance: Ensure all credit activities strictly adhere to the National Credit Act (NCA) and POPIA.
  
  
• Portfolio Monitoring: Track the performance of the bridging finance portfolio, identifying early warning indicators and delinquency trends.
  
  
• Stakeholder Collaboration: Work closely with conveyancers and internal teams to resolve credit-related issues and facilitate smooth loan processes.
  
  
• Innovation: Support the integration of data-driven solutions and credit scorecards for risk segmentation.
  
  

Requirements:

• Education: Bachelor’s degree in Finance, Accounting, Law, or a related field.
  
  
• Experience: 2+ years of experience in credit analysis or risk assessment, ideally within bridging finance or specialist lending.
  
  
• Technical Knowledge: In-depth, practical knowledge of the NCA is essential.
  
  
• Skills: Strong financial modeling and underwriting abilities; proficiency in MS Excel.
  
  
• Advantageous: Experience in drafting legal agreements or familiarity with alternative collateral.
  
  
• Culture Fit: Must be highly methodical and thrive in an entrepreneurial, start-up environment. Strong school and sport background.
  
  

Position Details:

• Remuneration: R350,000 – R400,000 per annum (TCTC).
  
  
• Location: Cape Town.
  
  

Ready to help shape the future of specialist lending?

?? Email your CV to [Email Address Removed]

?? Visit www.hireresolve.com

Please send your CV alongside all supporting documents, as well as identification to be considered.

Further motivation: Please highlight any sport interest/backgrounds, strong school performance or involvement, and personality.

Desired Skills:

• Credit Analyst
• Credit Analyst
• Credit Analyst