Credit Analyst

Red Ember Recruitment is currently recruiting for a Credit Analyst for their client in Johannesburg. Gathers and analyses loan applicants' financial data to evaluate risk. Assesses creditworthiness of individuals, companies and institutions. Collaborates with other financial experts/ members of credit committee to approve or decline finance. Makes recommendations about whether to increase, adjust, extend or close lines of credit. Undertakes risk analysis using regional, sector-specific, environmental and other financial data. Prepares and presents credit reports. Completes quality assurance reviews. Aware of market trends Monitors and adheres to collateral compliance covenants. Ensures that all finance is concluded in adherence with company regulations. Analyse data to verify information. Helps to update and improve credit rating criteria Communicates credit decisions and policies to fellow employees and credit applicants Oversees or undertakes document preparation and checking Requirements Matric or higher Degree or equivalent qualification in Business/Accounting/Finance/Credit Risk. Minimum 3-5 years’ experience in similar role. Strong Software Skills (Advanced Excel) Code 8 licence Candidates must have NCR, RE3 OR RE5 certificates Confident and proactive approach-anticipate issues and requirements. Ability to work independently and as part of a team in a fast-paced environment. Strong interpersonal and customer service skills, including the ability to form and maintain business relationships Strong organizational skills and attention to detail. Must be a team player Read and write in English