Credit Analyst

• *Recruiter:**

Talented Recruitment

• *Job Ref:**

DBN003149/Murra

• *Date posted:**

Tuesday, March 31, 2026 • *Location:**

Johannesburg, South Africa • *SUMMARY:**

A well-established company based in • *Melrose**

is seeking an astute, analytical, and commercially minded • *Credit Analyst**

to join their team. This is an excellent opportunity for a finance professional skilled in evaluating risk, making sound lending decisions, and supporting quality credit outcomes in a dynamic environment.

• *POSITION INFO:** • ***Key Responsibilities:****

Credit Risk Assessment

• Analyse financial statements, bank statements, management accounts, and tax records. • Assess creditworthiness using financial ratios, cash flow analysis, and debt servicing capacity. • Evaluate both quantitative and qualitative factors, including business model, industry risk, and management capability.

Deal Evaluation & Structuring Support: • Review and stress-test proposed deal structures to assess viability. • Recommend appropriate deal terms including deposits, repayment periods, residual values, pricing, and security. • Identify risks and propose mitigation strategies such as guarantees, cessions, or upfront contributions.

Due Diligence

• Conduct background checks on clients, directors, and related entities. • Verify asset values and confirm supplier or dealer credibility. • Ensure all required documentation for a complete credit review is obtained and accurate.

Credit Report Preparation

• Prepare clear, concise, and well-motivated credit reports for internal or credit committee approval. • Present transactions in a structured format, highlighting key risks and mitigants. • Provide recommendations to approve, decline, or request further information.

Policy & Compliance Adherence: • Ensure all credit assessments comply with internal credit policies and applicable regulations (e.g. NCR, FICA). • Identify and escalate any policy deviations or exceptions. • Maintain accurate records and audit trails for all credit decisions.

Portfolio Monitoring

• Monitor repayment performance post-disbursement. • Identify early warning signs of distress or potential default. • Recommend corrective actions, restructuring, or recovery strategies where required.

Collaboration & Communication: • Work closely with sales, legal, and operations teams to support deal execution. • Apply independent judgement and challenge assumptions or overly optimistic projections where necessary. • Communicate credit decisions and rationale clearly to internal stakeholders.

Continuous Improvement

• Stay informed on economic conditions, industry trends, and credit risk developments. • Contribute to improvements in credit processes, tools, and risk frameworks. • Support training and mentoring of junior team members where applicable.

Systems & Administration: • Maintain accurate and up-to-date records on Monday.com in line with company policy. • Ensure all deals, notes, and documentation are captured daily and correctly. • *Minimum Requirements:** • Relevant qualification in Finance, Accounting, Economics, or similar • Minimum 5 years’ experience in credit analysis (asset finance experience advantageous) • Strong financial analysis and interpretation skills • Solid understanding of credit risk principles and deal structuring • Knowledge of NCR and FICA requirements • Proficient in Microsoft Excel and credit systems • Strong analytical and critical thinking ability • High attention to detail and accuracy • Sound judgement and decision-making • Ability to challenge constructively and remain objective • Good communication and report-writing skills • Ability to work under pressure and manage multiple deals

Should you not receive a response within the next 2 weeks, please consider your application unsuccessful. Vacancies are advertised on our website, should you wish to keep abreast with our active roles. • *IMPORTANT NOTICE** • *By applying to this advert you hereby acknowledge that you have read and accept the following Protection of Personal Information ACT (POPIA) disclaimer:** • *I hereby consent for Talented Recruitment to process my personal information as part of the recruitment process.

Talented

Recruitment shall take all reasonable measures to protect the personal information of applicants and for the purpose of this disclaimer “personal information” shall be defined as detailed in the Protection of Personal I