Credit Analyst

Recruiter:

Empire Recruitment

Job Ref:

JHB000070/Trin

Date posted:

Wednesday, January 21, 2026

Location:

Johannesburg, South Africa

Salary:

420000 Annually

SUMMARY:

Join a forwardâthinking credit team where your expertise will directly influence funding decisions across SME and publicâsector portfolios. This role is ideal for a Credit Analyst who thrives in a fast-paced financial environment, enjoys autonomy, and brings sharp analytical judgment to every transaction.

POSITION INFO:
Key Responsibilities:

Full-spectrum Credit Assessment
Evaluate SME and publicâsector applications, applying sound creditâlending principles and financial analysis to approve or escalate decisions.

Financial & Non-Financial Analysis
Use your analytical toolkit to assess complex financials, identify risk trends, and recommend actions that support long-term portfolio health.

Stakeholder Collaboration
Work closely with internal teams to provide meaningful insights, communicate credit decisions, and ensure seamless feedback loops.

Operational Excellence
Maintain accurate tracking registers, manage meetings, assist with credit policy enhancements, and contribute to ad-hoc strategic projects.

Proactive Risk Management
Drive “first-time right” decisions and support arrears prevention through well-informed, high-quality assessments.

Requirements:

Minimum 3 - 5 years of Credit experience, ideally within financial services or asset finance

Solid understanding of credit lending principles, financial statements, and risk assessment

Strong analytical abilities with high attention to detail

Excellent communication skills — able to tailor messages to multiple stakeholders

Techâsavvy with MS Office and business systems; understanding of AI is a plus

A resultsâdriven and resilient mindset with a commitment to ethical decision-making

Relevant qualification in Credit Risk, Accounting, Finance, or similar

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