Commercial Credit Analyst

1 week ago


Johannesburg, Gauteng, South Africa Credit Link Placements Full time

Credit Link Placements requires a Commercial Credit Analyst to analyze client data and make informed decisions regarding creditworthiness. The successful candidate will conduct thorough credit evaluations, assessing client business plans, financial statements, and management accounts to provide recommendations on new and existing accounts annually.

Main Responsibilities:
  • Analyze client data to determine creditworthiness;
  • Conduct thorough credit evaluations, considering business plans, financial statements, and management accounts;
  • Review all received documents – business applications, STCs, company documents, and motivation;
  • Ensure legal reviews and approves any amended STCs;
  • Obtain necessary credit bureau reports, trade references, and general research on clients;
  • Prepare relevant ratios on the Credit Report Assessment document using audited financial statements;
  • Visit clients to review financials as needed, ensuring timely completion of the process;
  • Review results with the General Credit Manager to ensure accuracy and completeness;
  • Request AFS and/or guarantee if risk is deemed high, after discussing with the GCM;
  • Ensure monthly re-vetting schedule is completed, reviewing necessary accounts;
  • For existing clients, follow the same process as new accounts, adding payment history over the last 6 months to a year depending on payment terms;
  • Meet weekly with GMs/Commercial teams to discuss upcoming projects and resolve issues;
  • Once an account is approved, create client accounts on BOS, SAP, or CW, inputting correct information;
  • Upload documents to the Risk Share folder once opened on the system;
  • Prepare internal and external notifications of account openings;
  • Maintain up-to-date filing for client applications and documents;
  • Ensure POPI compliance;
  • Carry out duties of colleagues as requested during leave or peak periods;
  • Adhere to Company policies and procedures.


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