Credit Analyst
Location
johannesburg, johannesburg
Job Type
Full-time
Category
Other-General
Posted
June 23, 2026
Key Responsibilities:
Credit Risk Assessment:
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.
- 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.
- Conduct background checks on clients, directors, and related entities.
- Verify asset values and confirm supplier or dealer credibility.
- Ensure all required d...