CREDIT RISK ANALYST, JOHANNESBURG
Finance / Accounting
Johannesburg – Gauteng
CREDIT RISK ANALYST
JOHANNESBURG
12 MONTH FIXED TERM CONTRACT
Deadline – 4 November 2026
Department – Risk and Compliance
Reports to – Head: Credit Risk
Duration – 12 Months fixed term contract
About the Position:
To assess and monitor credit risk by conducting credit evaluations, preparing risk reports, applying risk rating and pricing models and supporting credit risk controls to enable informed business decisions. The role also contributes to continuous improvement initiatives and participates in credit committee processes.
Responsibilities:
- Produce accurate risk reports with commentary and in the correct format;
- Perform credit and background searches on applicant companies and the entrepreneurs and directors and prepare a credit and background checking report;
- Rate transaction using the risk rating model;
- Run the pricing model to propose a final deal pricing having considered risk ratings;
- Support continuous development of credit risk capability through feedback in discussions and observations indifferent forums as appropriate;
- Recommend improvement actions where appropriate;
- Support the building and development of credit metrics, as well as projects to deliver credit risk control;
- Attend credit committees;
- Perform other ad hoc duties as requested.
Minimum Requirements
Experience/Skills Required:
- Minimum 3 years of working experience in the Credit Risk environment;
- High-level understanding of the concept of credit risk management;
- Report writing skills;
- Good technical capability in the use of SQL and MS Excel;
- Good communication skills to be able to effectively communicate complex processes and outputs to colleagues with varying levels of technical knowledge
Qualification Requirements:
- Bachelor’s degree in Finance or Risk Management
Personal Attributes:
Cognitive Competencies
- Analysis and Attention to Detail
- Conceptual / Big Picture Thinking
- Focused and Sustained Attention
- Problem Solving
- Tolerance of Ambiguity
Intrapersonal Competencies
- Excellence/ Quality Orientation
- Rule Orientation
- Ethical Judgement
- Flexibility
- Drive and Results Orientation
- Time and Self-Management
Interpersonal Competencies
- Interpersonal Agility
- Building relationships
- Teamwork
- Engaging diversity
Communication Competencies
- Conflict Management
- Presentation and Facilitation
- Verbal and Written Communication (incl. Listening)
Functional Competencies
- Commercial and Financial Acumen
- Process and Technological Competence
- Safety and Security Orientation
- Mathematical Acumen
Please Note: Should you not receive feedback within 3 months, please consider your application as unsuccessful.
