Credit Analyst

SUMMARY:

POSITION INFO:
Key Responsibilities Conduct comprehensive credit and financial risk assessments. Analyse financial statements, cash flows, and key risk indicators to determine creditworthiness. Identify transaction risks and recommend appropriate mitigation strategies. Prepare detailed and well-supported credit recommendations for approval. Present structured credit submissions to relevant approval committees. Assist in structuring transactions that balance commercial objectives with sound risk management principles. Collaborate with business stakeholders to deliver practical financing solutions. Ensure compliance with credit policies, procedures, and governance requirements. Maintain accurate documentation and audit trails. Provide guidance and support to junior team members where required. Contribute to the ongoing enhancement of credit analysis standards and methodologies. Requirements Qualifications Bachelor's Degree in Finance, Accounting, Agricultural Economics, or a related discipline. Postgraduate qualification in Finance, Accounting, Risk Management, or a related field will be advantageous. Experience 3-5 years' experience in agricultural credit analysis, commercial banking, or a related credit environment. Strong understanding of financial statement analysis and credit risk assessment. Experience evaluating farming operations, agricultural cash flows, and sector-specific risks. Exposure to agricultural lending and client engagement. Ability to structure and assess complex credit transactions. Strong report writing and credit submission experience. Competencies Excellent analytical and problem-solving abilities. Strong attention to detail and accuracy. Effective written and verbal communication skills. Sound commercial judgement and decision-making capability. Ability to build and maintain professional relationships with stakeholders. Strong organisational and time management skills. Ability to work independently while contributing effectively within a team environment. Apply now! For more exciting (Finance\/ Engineering\/ IT \/ Supply Chain \/ Commercial & C-Suite) vacancies, please visit: I also specialise in recruiting in the following: Financial Managers Financial Accountants Financial Controllers Chartered Accountants Group Reporting & Consolidations Accountant Commercial Finance and FP&A positions If you have not had any response in two weeks, please consider the vacancy application unsuccessful. Your profile will be kept on our database for any other suitable roles \/ positions. For more information, contact: Mandisa Phahla Recruiting Consultant