Credit Analyst

SUMMARY:
Credit Analyst

POSITION INFO:

The Role
As a Credit Analyst, you will analyze the financial statements of diverse SMEs across various industry sectors in South Africa, providing crucial feedback to the Credit Committee.

Your responsibilities will include:
Engaging and interviewing entrepreneurs to gain in-depth knowledge of their businesses.
Preparing credit papers for review.
Utilizing in-house and external rating agency credit rating tools and other economic indicators to support analysis.
Preparing detailed evaluation reports, assessing cash flow forecasts, and presenting balanced credit papers to the Credit Committee.
Overseeing and evaluating lending/investment decisions.
Conducting on-site evaluation missions.
Performing ongoing risk management activities on successfully funded SMEs.
Promoting and reinforcing the role of the company as a financier to SMEs, continuously improving relationships with entrepreneurs and potential partners.
This role offers the opportunity to consistently engage with entrepreneurs, explore and profile owners'' personalities, investigate industry and sector trends, expand your general business and industry knowledge, and directly impact entrepreneurial businesses and the country.

Ideal Candidate
Preferably, the candidate should have an undergraduate Commerce or Engineering degree or a Politics, Philosophy and Economics (PPE) degree.
Experience working in a family business is a plus.
Ability to take initiative, learn quickly, and strive for results.
Excellent communication skills (verbal and written).
Strong team player and motivator.
Analytical mind with strong attention to detail.
Project management skills.
Techno-savvy.
Required Disposition
A keen interest in SMEs, impact investing, and socio-economic growth.
Someone who wants to make a contribution to South Africa.
Someone who is self-aware.
Big picture thinker, with an eye for detail.
Curiosity with constant holistic learning.