Junior Credit Analyst

A leading financial institution is looking for an analytical and detail oriented Junior Credit Analyst to join their team in Gauteng . This is an excellent opportunity for a finance professional to drive sound lending decisions by preparing comprehensive credit proposals, conducting in-depth financial statement analysis, and evaluating the creditworthiness of SME clients. If you have a solid foundation in accounting, a strong understanding of risk mitigation, and a desire to grow within a Shariah-compliant banking environment, we want to hear from you! Responsibilities: Compile detailed credit proposals for the Executive Credit Committee, assessing client financial positions to determine finance eligibility for assets and trade. Analyse financial statements, management accounts, and VAT returns to evaluate the performance of applicants and guarantor entities, including the preparation of balance sheet spreads and information consolidation. Conduct SWOT and sensitivity analyses to identify potential hazards within specific industries or client profiles and propose necessary mitigating factors. Perform qualitative reviews and corporate ratings while researching market trends to determine the affordability of repayments. Investigate client backgrounds, management structures, and credit histories via reports like Kreditinform to verify security confirmations and banking status. Conduct monthly analysis of book debts held as security, liaising with clients to determine recoverability and updating security values within the system. Maintain and update trade review registers and tracking schedules for all revolving asset facilities, ensuring all approval dates and review statuses are current. Gather and review FICA documentation for new and existing clients while ensuring all deal files and checklists are accurately maintained. Respond to technical queries from various Credit Committees and the Board of Directors regarding submitted proposals and financial analyses. Requirements: Degree or relevant qualification in Finance or Accounting. Minimum of 2 to 3 years of experience within a Finance or Accounting environment. Proficiency in MS Office. Sound knowledge of Credit Policies and Procedures. Understanding of Shariah Banking principles. Familiarity with general banking policies, products, and services. Strong foundational knowledge of Finance and Accounting principles. Contact Hire Resolve for your next career-changing move. Our client is offering a highly competitive salary for this role based on experience. Apply for this role today, contact Adrienne Steyn at Hire Resolve on adrienne.steyn@hireresolve.us or on LinkedIn You can also visit the Hire Resolve website: hireresolve.us or email us your CV: financialcareers@hireresolve.za.com 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.