Senior Credit Analyst

SUMMARY:
Our client is a well-established, privately owned financial services group, specialising in bespoke funding and advisory solutions for businesses and high-net-worth individuals. With a strong national footprint and international reach, the business offers a diverse range of services across asset finance, lending, and investment solutions.

POSITION INFO:
The organisation is known for its entrepreneurial culture, client-centric approach, and ability to structure tailored financial solutions across multiple sectors.

This is a key leadership position within the Credit Risk function, combining strategic oversight with hands-on technical delivery. The successful candidate will lead a team of credit analysts, ensuring the delivery of high-quality credit assessments and presentations to senior decision-makers.

You will be responsible for driving team performance, enhancing credit processes, and contributing to the broader credit strategy, while maintaining a strong focus on risk management and turnaround times.

In addition to leadership responsibilities, you will remain actively involved in the preparation and review of complex credit applications, providing insightful analysis and well-motivated recommendations aligned to business objectives.

Key Responsibilities:

• Deal Origination & Structuring: Contribute to pre-credit discussions, assist with structuring solutions, and manage deal flow and resource allocation to optimise turnaround times
• Credit Assessment & Review: Oversee the quality of credit applications across the team, providing guidance on complex transactions and ensuring consistency in submissions
• Credit Analysis: Analyse financial statements, assess industry dynamics and market trends, and evaluate overall creditworthiness
• Application Preparation: Compile and present clear, well-structured credit papers, ensuring alignment with internal policies and regulatory requirements
• Stakeholder Engagement: Build strong working relationships across Credit, Front Office, Legal, and other internal teams
• Post-Approval Execution: Liaise with legal and compliance teams to ensure the accurate implementation of approved transactions
• Risk Management: Maintain awareness of the broader credit environment and incorporate this into decision-making and recommendations
• Team Leadership: Mentor and develop team members, including onboarding, training, and continuous upskilling
• Ad Hoc Support: Assist with reporting, data management, and broader credit-related projects
• Client Interaction: Occasionally engage in client visits alongside deal or portfolio teams

• BCom degree in Finance, Accounting, or a related field
• Postgraduate qualification (e.g. CA(SA), CFA, CIMA, or MBA) advantageous
• Minimum 3–5 years’ experience in credit risk within a commercial or corporate environment
• Solid understanding of the National Credit Act