Credit Analyst

Responsibilities

• Mentor and develop finance team members, conducting performance reviews, identifying training needs, and fostering continuous improvement.
• Conduct comprehensive financial analysis and modelling to support business cases for capital investments, acquisitions, and new ventures.
• Provide strategic financial advice to senior management and the board on financial performance, risk, and growth opportunities.
• Lead and manage the external audit process, preparing audit files, responding to queries, and ensuring timely sign-off of financial statements.
• Manage cash flow and working capital effectively, including preparing cash flow forecasts and managing banking relationships.
• Analyse credit applications and financial statements to assess creditworthiness and make recommendations on lending decisions.
• Oversee preparation and presentation of accurate monthly management accounts, financial statements, and board reports.

Requirements

• Exceptional interpersonal and communication skills to influence and build relationships with stakeholders at all levels.
• In-depth knowledge of International Financial Reporting Standards, tax legislation, and the Companies Act in South Africa.
• Excellent analytical and problem-solving skills to interpret complex financial data and present findings clearly.
• A minimum of five to seven years of progressive experience in financial management, investment analysis, or a related field.
• Strong commercial awareness and business acumen to understand the broader context of financial decisions.
• A professional accounting or finance qualification such as CA(SA), CIMA, CFA, ACCA, or an equivalent recognised designation.
• For credit roles, thorough understanding of credit risk assessment methodologies and experience with credit rating models.

Qualifications

• Bachelor of Commerce Honours in Finance or Accounting