Credit Analyst

2 weeks ago

Stellenbosch, Western Cape, South Africa Quest Staffing Solutions Full time R900 000 - R1 200 000 per year

Job Description: Credit Risk Analyst - 3 months contract

Stellenbosch, Western Cape

Role Overview

We are seeking a highly skilled and detail-oriented professional to review Africa & International customer financials, conduct comprehensive credit risk assessments, and recommend appropriate credit limits. This role will also identify when bank guarantee instruments are required, and work closely with our banking partners to facilitate and finalize such guarantees. The ideal candidate will balance commercial opportunities with prudent risk management, ensuring that credit exposure is effectively controlled while supporting business growth.

  • Key Responsibilities
  • Review and analyse the
    financial statements
    of the full customer base, including balance sheets, income statements, and cash flow statements.
  • Conduct detailed
    credit risk assessments
    and develop risk profiles for individual customers.
  • Recommend appropriate
    credit limits
    in line with company policies and risk appetite.
  • Identify situations where
    bank guarantees or other financial instruments
    are required to mitigate risk.
  • Collaborate with the company's
    banking partners
    to facilitate and finalize guarantees or other credit support mechanisms.
  • Prepare and present
    credit analysis reports and recommendations
    to management.
  • Provide up-to-date knowledge of
    credit risk methodologies, trade finance solutions, and market best practices
    .
  • Support the continuous improvement of internal
    credit policies, processes, and controls
    .

Requirements

  • Education & Qualifications
  • Bachelor's degree in finance, Accounting, Economics, or a related field

  • Professional certification such as
    CFA, CPA, CIMA, or a recognized Credit Management qualification
    preferred.

  • Technical Expertise

  • 5–7 years of experience
    , with at least
    2–3 years specifically in credit risk assessment/trade finance
    .
  • Proven track record in
    financial statement analysis and credit risk assessment
    .
  • Strong knowledge of
    financial ratios, liquidity analysis, leverage, and solvency metrics
    .
  • Experience with
    bank guarantees, letters of credit, and other trade finance instruments
    .

  • Proficiency in
    ERP systems and credit risk analysis tools
    (e.g., SAP, Oracle, Moody's Analytics, or equivalent).

  • Skills & Competencies

  • Strong
    analytical and problem-solving abilities
    , with attention to detail.
  • Excellent
    decision-making and judgment
    in balancing business and risk considerations.
  • Effective
    stakeholder management and communication skills
    , with the ability to explain complex financial matters clearly.
  • Highly organized, with the ability to manage multiple credit reviews under tight deadlines.

  • Demonstrated
    integrity, objectivity, and commercial acumen
    .

  • Personal Attributes

  • Proactive and solution-driven, with a focus on
    business enablement while managing risk
    .
  • Resilient under pressure with a high level of
    accountability and ownership
    .
  • Collaborative mindset, able to work effectively with
    finance, sales, and external banking partners
    .

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