Senior Credit Analyst | Commercial & Asset Finance

SUMMARY:

POSITION INFO:
Key Responsibilities Credit Risk Assessment & Financial Analysis Analyse complex commercial credit applications and funding transactions. Assess financial statements, management accounts, cash flows, bank statements, debt schedules and supporting financial information. Evaluate affordability, repayment capacity, liquidity, gearing, working capital and overall creditworthiness. Identify key credit risks, warning signs and potential areas of concern. Conduct detailed financial and cash flow analysis to support lending decisions. Deal Evaluation & Structuring Assess commercial and asset-backed funding opportunities across various industries. Structure transactions by recommending appropriate deposits, repayment terms, security requirements, pricing and risk mitigation measures. Evaluate profitability and return on risk. Recommend alternative structures where appropriate to support commercially viable transactions within risk appetite. Asset & Security Evaluation Assess asset values, marketability and recovery prospects. Review security structures, sureties, guarantees and collateral arrangements. Evaluate recovery risk, forced-sale values and security enforceability. Consider both repayment ability and likely recovery outcomes in adverse scenarios. Credit Reporting & Decision Support Prepare comprehensive credit reports with clear recommendations. Present and defend recommendations to management and approving authorities. Clearly identify key risks and recommend practical mitigation strategies. Make approval, decline or conditional approval recommendations based on thorough analysis. Portfolio Monitoring & Risk Management Monitor existing portfolios and identify emerging risks. Assess arrears, deteriorating performance and early warning indicators. Recommend interventions, restructures or recovery actions where appropriate. Leadership & Mentorship Review work prepared by junior analysts. Provide technical guidance, coaching and quality assurance. Assist in improving credit processes, reporting standards and assessment methodologies. Minimum Requirements Relevant degree or qualification in Finance, Accounting, Economics, Risk Management or a related field. Minimum 5 years' credit analysis experience , including the assessment of complex commercial transactions. Experience within: Asset Finance Equipment Finance Commercial Lending Structured Finance Specialist Finance Essential Experience Commercial credit analysis and risk assessment. Financial statement analysis and cash flow modelling. Affordability and debt servicing assessments. Asset-backed lending and security evaluation. Deal structuring and profitability analysis. Credit report preparation and recommendation writing. Presenting recommendations to credit committees or approving authorities. Portfolio monitoring and credit risk management. Compliance knowledge, including FICA and relevant lending regulations. Advanced Excel skills and experience with credit workflow or CRM systems. Highly Advantageous Industry Exposure Experience assessing transactions involving: Mining Construction Earthmoving Equipment Transport & Trucking Aviation Agriculture Power Generation Other asset-intensive industries Key Competencies Strong independent credit judgement Commercially minded decision-making Excellent analytical and problem-solving skills Ability to identify and challenge risk appropriately Strong communication and report-writing abilities High attention to detail and accuracy Ability to work independently and manage multiple transactions simultaneously Confidence to decline transactions where risk cannot be adequately mitigated Mentorship and leadership capability Ideal Candidate Profile We are looking for a commercially minded credit professional who can independently evaluate complex transactions, challenge assumptions, identify risks, and make balanced recommendations that support both prudent risk management and profitable growth. Candidates whose experience is primarily administrative or limited to compiling credit applications without conducting independent credit assessment, risk evaluation and deal structuring will be less suited to this opportunity.