Job Description Gather and analyse financial information from loan applicants to assess financial risk and determine creditworthiness. Evaluate the creditworthiness of individuals, companies, and institutions. Conduct comprehensive risk assessments using regional, industry-specific, environmental, and other relevant financial data. Collaborate with financial specialists and Credit Committee members to support decisions to approve or decline finance applications. Make informed recommendations regarding the approval, adjustment, extension, increase, or closure of credit facilities. Prepare and present detailed credit assessment reports and recommendations. Conduct quality assurance reviews to ensure accuracy, completeness, and compliance. Stay informed of market trends and developments that may impact credit risk. Monitor and ensure compliance with collateral requirements and financial covenants. Ensure that all financing transactions are concluded in accordance with company policies, procedures, and regulatory requirements. Analyse and verify financial and supporting data to ensure the accuracy and reliability of information. Contribute to the ongoing review and improvement of credit rating criteria and risk assessment processes. Communicate credit decisions, policies, and requirements clearly to internal stakeholders and credit applicants. Oversee and/or perform the preparation, review, and verification of all relevant credit and supporting documentation. Minimum Requirements Matric certificate or equivalent qualification. A Degree or equivalent qualification in Business, Accounting, Finance, Credit Risk, or a related field. Minimum of 3-5 years' experience in a similar credit or financial risk role. Advanced computer literacy, with strong proficiency in Microsoft Excel. Valid Code 8 driver's licence. Strong analytical and problem-solving abilities. Confident and proactive, with the ability to anticipate potential issues and requirements. Ability to work independently as well as collaboratively within a team in a fast-paced environment. Excellent interpersonal and customer service skills, with the ability to build and maintain strong business relationships. Strong organisational skills with exceptional attention to detail. A collaborative team player with a professional approach. Excellent verbal and written communication skills in English.