Credit Analyst

Credit Analyst Cape Town V/A Waterfront

Hire Resolve is seeking a meticulous and analytically-minded Credit Analyst to join an innovative financial team in Cape Town. This role is central to executing a robust credit risk framework within the bridging finance sector ensuring transactional integrity and strict regulatory compliance.

Key Responsibilities:

• Credit Risk Assessment: Conduct comprehensive financial analysis and due diligence on bridging loan applications for property sellers and estate agents.

• Underwriting: Evaluate creditworthiness using financial data and credit reports assisting in structuring terms that align with the companys risk appetite.

• Regulatory Compliance: Ensure all credit activities strictly adhere to the National Credit Act (NCA) and POPIA.

• Portfolio Monitoring: Track the performance of the bridging finance portfolio identifying early warning indicators and delinquency trends.

• Stakeholder Collaboration: Work closely with conveyancers and internal teams to resolve credit-related issues and facilitate smooth loan processes.

• Innovation: Support the integration of data-driven solutions and credit scorecards for risk segmentation.

Requirements:

• Education: Bachelors degree in Finance Accounting Law or a related field.

• Experience: 2 years of experience in credit analysis or risk assessment ideally within bridging finance or specialist lending.

• Technical Knowledge: In-depth practical knowledge of the NCA is essential.

• Skills: Strong financial modeling and underwriting abilities; proficiency in MS Excel.

• Advantageous: Experience in drafting legal agreements or familiarity with alternative collateral.

• Culture Fit: Must be highly methodical and thrive in an entrepreneurial start-up environment. Strong school and sport background.

Position Details:

• Remuneration: R350000 R400000 per annum (TCTC).

• Location: Cape Town.

Ready to help shape the future of specialist lending

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Please send your CV alongside all supporting documents as well as identification to be considered.

Further motivation: Please highlight any sport interest/backgrounds strong school performance or involvement and personality.