Credit Analyst – Commercial

1 week ago


Nelspruit, Mpumalanga, South Africa Fempower Personnel Full time

Are you a skilled Credit Analyst with a strong background in credit risk assessment, financial analysis, and deal structuring? Join a leading financial institution committed to driving transformation and sustainable growth within the commercial and agricultural finance sector.

Why This Opportunity?

  • Play a pivotal role in credit risk assessment and financial solutions for key clients.
  • Work on diverse credit applications, including commercial and transformation finance.
  • Engage with high-value transactions that impact South Africa's agricultural and commercial sectors.
  • Enjoy a dynamic, fast-paced environment that values strategic thinking and problem-solving.

Key Responsibilities:

  • Conduct credit assessments, including financial analysis, trend evaluation, and risk mitigation.
  • Present bankable solutions to support sustainable business growth.
  • Perform collateral analysis, loan structuring, and credit risk management.
  • Ensure compliance with credit policies, NCA, CPA, FICA, and risk regulations.
  • Engage with stakeholders, operations teams, and credit committees to streamline the credit process.
  • Manage a portfolio of clients, performing annual credit reviews and loan restructuring.
  • Provide expert guidance on deal structuring and financing solutions for commercial clients.

What You Need to Succeed:

Qualification: A 3-year tertiary qualification in Commerce (Accounting, Agri-Economics, or Credit Management preferred).

Experience: 3+ years in credit risk assessment, deal structuring, and financial analysis.

Skills & Expertise:

  • Strong credit assessment and financial modelling skills.
  • In-depth understanding of risk management principles and credit compliance.
  • Experience in commercial lending, agricultural finance, or business banking.
  • Proficiency in Microsoft Office and compliance management tools.
  • Knowledge of primary and secondary agricultural sector finance.

Travel: Regular travel may be required as part of the role.

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