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Credit Analyst

Company

Confidential

Location

johannesburg, South-Africa

Type

Full-time

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 d...

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