Mandating Credit Analyst

SUMMARY:
We are seeking a Credit Analyst, who will be responsible for the assessment, analysis, and decision-making of credit applications within our clients portfolio, with a delegated approval authority of up to R200,000 per deal. This role ensures that all applications are evaluated in line with our clients credit policy, risk appetite, and governance framework. The analyst will apply sound financial judgment, perform comprehensive risk analysis, and maintain proactive communication with internal teams.

POSITION INFO:

Key Responsibilities:

Credit Assessment:

• Evaluate and analyze financial information (bank statements, management accounts, credit reports, etc.) for all incoming applications.
  - Make independent credit decisions within the delegated approval limit of R200,000.
  - Identify potential risks, trends, and mitigating factors in each deal.
  - Conduct qualitative and quantitative analysis of applicants, contract holders, and suppliers.
  - Prepare detailed approval sheets and credit recommendations for higher-level reviews.
  - Ensure compliance with company policies.

Operational Support:

• Liaise closely with Application Specialists to ensure complete and accurate deal submissions.
  - Work collaboratively with Sales and Discounting teams to structure deals appropriately.
  - Communicate decisions (approvals, declines, or deferrals) promptly and professionally to relevant stakeholders.
  - Maintain updated deal data and supporting documentation in the internal system (Monday.com).
  - Monitor existing exposures for signs of deterioration or heightened risk.

Portfolio and Risk Management:

• Participate in portfolio reviews, trend analyses, and supplier risk assessments.
  - Identify early warning indicators and assist in implementing corrective or preventative actions.
  - Contribute to the enhancement of credit models, policies, and decisioning tools.

Key Requirements:

Education & Qualifications:

• Matric (Grade 12) essential.
  - Diploma or degree in Finance, Accounting, Economics, or Risk Management preferred.

Experience:

• Minimum 3–5 years experience in credit analysis, underwriting, or risk management within a financial services or asset-based/rental finance environment.
  - Proven ability to interpret financial statements and assess SME creditworthiness.
  - Familiarity with TransUnion or similar credit bureau systems.

Technical Skills:

• Advanced proficiency in Microsoft Excel and solid working knowledge of Windows suite.
  - Strong analytical skills.
  - Understanding of credit, collection agencies, recourse structures, and risk mitigation tools.

Soft Skills:

• High attention to detail and sound judgment under pressure.
  - Excellent written and verbal communication skills.
  - Strong analytical and critical-thinking abilities.
  - Ability to work independently while collaborating across departments.