Credit Analyst

About

Description

This role is central to executing a robust credit risk framework within the bridging finance sector, ensuring transactional integrity and strict regulatory compliance

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 company’s 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

Qualifications

• Education: Bachelor’s 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

Application instructions:

• Apply Now!!