Enter a job title or keyword
Credit Analyst with Mandate
Job Location:
Job Location:
Durban - South Africa
Monthly Salary:
Not provided by the employer
Monthly Salary:
Posted:
19 May 2026 (30+ days ago)
Posted:
Application Deadline:
16 August 2026
Application Deadline:
Vacancies:
1 Vacancy
Vacancies:
Job Summary
Our client a Durban based financing company requires a Credit Analyst who will be responsible for the assessment analysis and decision-making of credit applications within the portfolio. This role ensures that all applications are evaluated in line with credit policy risk appetite and governance framework. The analyst will apply sound financial judgment perform comprehensive risk analysis and maintain proactive communication with internal teams.
Key Responsibilities:
Credit Assessment:
Education & Qualifications:
Credit Assessment:
- Evaluate and analyse financial information for all incoming applications.
- Make independent credit decisions within the delegated approval limit.
- Identify potential risks trends and mitigating factors in each deal.
- Conduct qualitative and quantitative analysis of applicants contract holders and suppliers.
- Prepare detailed approval sheets and credit recommendations for higher-level reviews.
- Ensure compliance with company policies.
- Liaise closely with Application Specialists to ensure complete and accurate deal submissions.
- Work collaboratively with Sales and Discounting teams to structure deals appropriately.
- Communicate decisions (approvals declines or deferrals) promptly and professionally to relevant stakeholders.
- Maintain updated deal data and supporting documentation in the internal system.
- Monitor existing exposures for signs of deterioration or heightened risk.
- Participate in portfolio reviews trend analyses and supplier risk assessments.
- Identify early warning indicators and assist in implementing corrective or preventative actions.
- Contribute to the enhancement of credit models policies and decisioning tools.
Education & Qualifications:
- Matric (Grade 12) essential.
- Diploma or degree in Finance Accounting Economics or Risk Management preferred.
- Minimum 58 years experience in credit analysis underwriting or risk management within a financial services or asset-based/rental finance environment.
- Proven ability to interpret financial statements and assess SME creditworthiness.
- Familiarity with TransUnion or similar credit bureau systems
- Advanced proficiency in Microsoft Excel and solid working knowledge of Windows suite.
- Strong analytical skills.
- Understanding of credit collection agencies recourse structures and risk mitigation tools.
- Competitive salary aligned with experience and approval authority.
- Performance-based incentives.
- Continuous professional development and training opportunities.
Required Experience:
IC
About Company
A trusted recruitment partner to South African companies For more than two decades, The HR Company has assisted organisations across diverse industries to identify and employ top talent across a broad spectrum of roles, functions and levels of seniority. Candidates See our Current Vac ... View more
