Hire Resolve is proud to represent a well-established international bank in its search for a skilled Credit Analyst based in Cape Town. This is an exciting opportunity for a finance professional to join a forward-thinking institution with a solid reputation in the corporate banking sector. The ideal candidate will be responsible for conducting detailed financial analysis to support credit decisions, ensuring robust risk management and contributing to sustainable financial growth.

Responsibilities

Credit Proposals

• Analyze financial statements and management accounts to assess the financial performance of clients and guarantors.

• Review VAT returns and book debts to support credit decisions.

• Conduct market research and qualitative assessments, including corporate ratings and repayment affordability.

• Gather background information on clients, including nature of business, management, and customer/supplier relationships.

• Retrieve credit history and related reports for trade clients.

• Perform SWOT analyses to identify potential risks and mitigating factors.

• Document client needs and facility utilization.

• Maintain manual exposure reports, ensuring securities and financials are up to date in the financial system.

• Provide sensitivity analysis for all proposals.

• Coordinate legal reviews and prepare supporting documentation.

• Address queries from various credit committees and boards.

• Compile executive summaries for board-level review.

• Integrate value-added insights, risk assessments, and innovation into reports.

Book Debt Analysis

• Perform monthly analysis of book debts held as security.

• Liaise with clients to verify recoverability and update values in the system.

• Prepare and maintain monthly security valuation schedules.

• Respond to committee queries regarding book debts.

Trade Finance Reviews

• Maintain trade and revolving facility review registers.

• Track and update corporate credit applications, including key dates and decisions.

• Monitor outstanding documentation for ongoing applications.

Review Letters

• Draft review letters to clients and accountants requesting financial information.

• Follow up on submission of required documentation.

General Duties

• Track submission of financial documents including VAT returns, balance sheets, and statements of income/expenditure.

• Prepare annual reviews for commercial property finance submissions.

Requirements

• A degree or relevant qualification in Accounting is required.

• Minimum of 2–3 years’ experience in a finance or accounting role, preferably within banking or corporate finance.

• Strong knowledge of:

  • Microsoft Office Suite

  • Credit policies and procedures

  • Shariah banking principles (preferred)

  • General banking products and services

  • Financial and accounting principles

• Strong analytical and communication skills

Please Note, if you don't match the Requirements or Industry, you won't be consider for this role..

Benefits

• Contact Hire Resolve for your next career-changing move today

  • Apply for this role today, contact Gustav Vogel at Hire Resolve or on LinkedIn
  • Send me your CV on +27 63 584 7231 (Whatsapp)
  • You can also visit the Hire Resolve website: hireresolve.us or email us your CV: [email protected]
  • Please use "Credit Analyst" as your subject line when applying via email 

  We will contact you telephonically in 3 days should you be suitable for this vacancy. If you are not suitable, we will put your CV on file and contact you regarding any future vacancies that arise