Credit Risk Analyst | Sandton | 12-Month Fixed-Term Contract Are you an analytical finance professional with experience in credit risk assessment, financial analysis and risk reporting? This opportunity offers the chance to contribute to responsible financing decisions while strengthening credit risk management within a development-focused financial institution. The Credit Risk Analyst will assess and monitor credit risk across potential and existing transactions. Reporting to the Head of Credit Risk within the Risk and Compliance Department, the successful candidate will conduct credit evaluations, prepare risk reports, apply risk rating and pricing models, and support the development of effective credit risk controls. This role requires a combination of sound financial understanding, technical capability and strong analytical judgement. The successful candidate will work with credit information, applicant and director background checks, risk metrics and pricing models to provide insights that support informed business decisions. The position will also contribute to continuous improvement initiatives and participate in credit committee processes. The organisation is a South African development finance institution focused on expanding economic participation and supporting black-owned and managed businesses through financial and non-financial assistance. Its work is centred on inclusive economic growth, enterprise development and responsible investment, with a strong emphasis on governance and effective risk management. What You'll Do Prepare accurate credit risk reports, including supporting commentary, in the required format. Conduct credit and background searches on applicant companies, entrepreneurs and directors. Compile credit and background-checking reports to support transaction assessments. Evaluate transactions and apply the relevant credit risk rating model. Run pricing models and propose appropriate deal pricing, taking risk ratings into account. Contribute to the ongoing development of credit risk capability through feedback, observations and participation in relevant discussions. Identify opportunities to improve credit risk processes and recommend appropriate actions. Support the development of credit metrics and initiatives designed to strengthen credit risk controls. Participate in credit committee meetings and contribute relevant risk insights. Undertake additional duties aligned with the role when required. What You Bring A bachelor's degree in Finance or Risk Management. At least three years of working experience in a credit risk environment. A sound understanding of credit risk management principles and practices. Strong report-writing skills and the ability to communicate findings clearly. Good technical capability in SQL and Microsoft Excel. The ability to explain complex processes and outputs to colleagues with different levels of technical knowledge. Strong relationship-building skills and the ability to engage with internal and external stakeholders. A self-starting approach and the ability to work effectively under pressure. Logical problem-solving skills, with the ability to address both technical and business challenges. Strong analytical ability, attention to detail and sound ethical judgement. What Success Looks Like Accurate, well-structured and insightful credit risk reports. Thorough credit and background assessments that support sound transaction decisions. Consistent and appropriate application of risk rating and pricing models. Clear communication of credit risk findings and recommendations. Meaningful contributions to credit metrics, risk controls and process improvements. Effective participation in credit committee processes. Reliable delivery of work while maintaining quality, integrity and attention to detail.