Senior Credit Analyst

About the Role

• We are seeking an experienced, commercially minded Senior Credit Analyst to independently assess complex commercial funding transactions. You will evaluate credit risk, structure profitable deals, and provide well-motivated credit recommendations. The ideal candidate has a strong background in asset-backed lending and equipment finance within asset-intensive industries.

Responsibilities

• Evaluate complex commercial transactions and asset-backed finance facilities.
• Structure profitable deals, including deposits, repayment terms, and security.
• Analyze financial statements, management accounts, and cash flow predictability.
• Identify red flags, early warning signs, and potential default indicators.
• Review credit applications and reports prepared by junior analysts.
• Present and defend credit recommendations to the credit committee.

Key Requirements

• Degree/qualification in Finance, Accounting, Economics, or Risk Management.
• Minimum 5+ years of solid commercial credit analysis experience.
• Proven background in asset-backed lending or equipment finance.
• Advanced Excel skills and credit workflow experience (monday.com).
• Strong understanding of South African compliance frameworks (FICA, NCR).
• Proven independent credit judgment and senior report writing skills.