Red Ember Recruitment is currently recruiting for a Credit Analyst for their client in Johannesburg.

Gathers and analyses loan applicants' financial data to evaluate risk.

Assesses creditworthiness of individuals, companies and institutions.

Collaborates with other financial experts/ members of credit committee to approve or decline finance.

Makes recommendations about whether to increase, adjust, extend or close lines of credit.

Undertakes risk analysis using regional, sector-specific, environmental and other financial data.

Prepares and presents credit reports.

Completes quality assurance reviews.

Aware of market trends

Monitors and adheres to collateral compliance covenants.

Ensures that all finance is concluded in adherence with company regulations.

Analyse data to verify information.

Helps to update and improve credit rating criteria

Communicates credit decisions and policies to fellow employees and credit applicants

Oversees or undertakes document preparation and checking

Requirements

Matric or higher

Degree or equivalent qualification in Business/Accounting/Finance/Credit Risk.

Minimum 3-5 years’ experience in similar role.

Strong Software Skills (Advanced Excel)

Code 8 licence

Candidates must have NCR, RE3 OR RE5 certificates

Confident and proactive approach-anticipate issues and requirements.

Ability to work independently and as part of a team in a fast-paced environment.

Strong interpersonal and customer service skills, including the ability to form and maintain business relationships

Strong organizational skills and attention to detail.

Must be a team player

Read and write in English

Compétences requises

Credit analysis (assessing creditworthiness of individuals, companies, institutions)Financial statement analysis (gathering and analysing applicants' financial data)Credit risk analysis (regional, sector-specific, environmental risk assessment)Credit underwriting and decision recommendations (approve/decline, adjust/extend/close credit)Credit reporting and presentation (preparing and presenting credit reports)Quality assurance reviews (conducting QA on credit files and processes)Collateral compliance monitoring (ensuring adherence to collateral covenants)Regulatory knowledge of credit regulations and certifications (NCR, RE3, RE5)Advanced Excel (strong software skills for analysis)Document preparation and checking (attention to detail in documentation)Communication of credit decisions and policies (internal and to applicants)Customer relationship management and interpersonal skillsTeamwork and ability to work independently in a fast-paced environmentMarket trend awareness and analysisOrganizational skills and time management

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