Credit Analyst - Frogg Recruitment
Credit Analyst Edenvale Johannesburg
Global client is looking for a Credit Analyst with 3-4 years’ experience in evaluating the creditworthiness of individuals or companies to determine the risk of extending loans or credit. This includes analyzing financial data, assessing risk factors, and verifying financial backgrounds. The Credit Analyst will work closely with the sales, finance, and risk departments to optimize credit strategies, minimize bad debt, and ensure that the organization balances risk against business growth opportunities.
Salary: Negotiable to experience and qualifications
Min Requirements and Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related commercial field.
- Proven experience in credit analysis or commercial risk assessment.
- Strong understanding of financial statement analysis, ratio calculations, and cash flow evaluations.
- Proficiency in accounting/ERP systems (e.g., SAP, Sage) and advanced credit assessment tools/Excel.
- Excellent communication, negotiation, and risk-mitigation skills.
Responsibilities
- Credit Assessment and Risk Analysis - Evaluate corporate or individual credit applications by analyzing financial statements, balance sheets, and credit bureau reports to determine risk profiles.
- Establish appropriate credit limits, terms, and conditions for new and existing accounts in accordance with organizational policies.
- Portfolio Management and Monitoring - Conduct regular risk assessments and financial reviews of the active client portfolio to spot early warning signs of default or delinquency.
- Collaborate with the collections and legal departments to minimize bad debt and restructure payment arrangements when necessary.
- Financial Modeling and Forecasting - Utilize statistical models and financial ratios to project cash flows and quantify potential credit risks.
- Develop data-driven insights to optimize the credit vetting process and support executive decision-making.
- Reporting and Compliance - Prepare comprehensive credit evaluation reports and present risk recommendations to credit committees and senior management.
- Ensure all credit processes and lending practices strictly comply with the National Credit Act (NCA), relevant commercial laws, and internal compliance frameworks.
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