Job Description

Job Summary A leading Bank is seeking a skilled Credit Analyst to join their Gauteng Corporate division. The successful candidate will play a key role in assessing the financial standing of clients, preparing detailed credit proposals, and ensuring sound credit risk management in line with the Bank's policies and governance standards. This position offers an excellent opportunity for a finance professional with strong analytical skills and a passion for corporate banking to contribute to a dynamic and high-performing team.
Responsibilities
Credit Proposals
Analyse financial statements, management accounts, VAT returns, and book debts to assess client and guarantor performance.
Conduct qualitative reviews, market research, and corporate ratings to determine client affordability and risk exposure.
Prepare detailed credit proposals, including financial spreads, sensitivity analyses, and SWOT/risk assessments.
Gather and verify client information, including business background, credit history, and security details.
Maintain and update exposure and security reports on internal systems, ensuring accuracy and compliance.
Collaborate with Legal and Credit Committees (MCC, ECC, BCC, BOD) by preparing executive summaries and responding to proposal queries.
Identify and communicate key risks, mitigating factors, and value-added insights in credit submissions.
Analysis of Book Debt
Analyse clients' book debts monthly to assess recoverability and determine updated security values.
Prepare and maintain book debt schedules, including security valuations and risk ratings.
Liaise with clients to resolve book debt queries and ensure accurate reporting.
Provide analytical insights and respond to queries from the Management Credit Committee (MCC).
Trade Review Finance
Maintain and update trade finance review registers and tracking schedules for all trade and revolving asset facilities.
Record and monitor key details such as review dates, facility levels, approvals, and submission timelines.
Track outstanding information for each application and ensure timely follow-up and compliance.
Review Letters
Prepare trade review letters requesting financial information from clients and/or their accountants for annual trade reviews.
Follow up on receipt of information and ensure timely submission for review.
General
Follow up with clients for required financial information and documentation (e.g., statements, VAT returns, and banking details).
Prepare annual Corporate Murabaha commercial property reviews for submission to the Credit Department.
Obtain and verify FICA documentation for all clients.
Prepare facility levels post-approval, load securities, and complete compliance checklists.
Capture applications on internal banking systems and maintain accurate and up-to-date deal files.
Requirements
A degree or relevant qualification in Finance or Accounting is essential.
Minimum of 2-3 years' experience in a finance or accounting environment.
Knowledge of Credit Lens, MS Office, IMAL, TASL (Technical Advance Support Log), SharePoint, and Credit Portal.
Understanding of credit policies and procedures, Shariah banking principles, bank products and services, and finance and accounting fundamentals
Benefits

• Salary: Based on experience and qualifications.

Contact Hire Resolve for your next career-changing move today

• Apply for this role today, contact Gustav Vogel at Hire Resolve or on LinkedIn
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or email us your CV: * Please use "Credit Analyst" as your subject line when applying via email
We will contact you telephonically in 3 days should you be suitable for this vacancy. If you are not suitable, we will put your CV on file and contact you regarding any future
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Specialists in Civil, Structural, Mechanical Engineering, Information Technology, Mining, Manufacturing and Finance Careers! Hire Resolve is one of the larger and more agile South African recruitment companies that focus on placing professionals and skilled people in permanent employment and contract employment. We prefer and focus on working with top quality professionals and candidates in South Africa and Africa. Hire Resolve has successfully placed Engineering, Mining, IT, Manufacturing and Finance professionals with top firms across the Western Cape, Eastern Cape, KwaZulu Natal, Gauteng and in Africa. Hire Resolve has assisted candidates to find jobs at over 100 JSE listed companies of which many are global companies with offices and operations in South Africa and Africa. It is for this reason that we are well respected in the industries we operate in and in the recruitment industry.

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