Credit Analyst | Bryanston / Johannesburg| Permanent

Make informed credit decisions that enable sustainable growth. Join a high-performing credit team where analytical rigour, sound judgement, and collaboration drive real commercial impact.

This role plays a key part in the effectiveness of the overall credit function, focusing on assessing the creditworthiness of SME and public sector clients for asset finance transactions. You will analyse financial and non-financial information, balance risk with opportunity, and ensure decisions align with internal credit policy and funder requirements.

Working closely with Sales, Credit Managers, and other stakeholders, you will contribute to first-time approvals, manage turnaround times, and support the continuous improvement of credit processes and controls. The role offers exposure to varied transactions, ad-hoc projects, and cross-functional engagement within a structured yet dynamic environment.

The client is a well-established asset finance business operating across Southern Africa, supporting SMEs and public sector organisations with tailored funding solutions. Known for strong governance and disciplined credit practices, the business places a high value on integrity, teamwork, and professional growth.

What You’ll Do

• Assess and analyse credit applications for SME and public sector clients

• Evaluate financial statements, cash flows, and qualitative risk factors

• Approve transactions within the mandate and escalate exceptions appropriately

• Monitor application pipelines and maintain accurate reporting records

• Liaise with Sales and stakeholders to provide clear credit feedback

• Contribute to credit policy adherence and continuous improvement initiatives

• Support ad-hoc projects and credit-related initiatives as required

What You Bring

• Minimum 5 years’ experience in a credit analysis or credit risk role

• Solid understanding of credit lending principles and business financials

• Strong analytical skills with high attention to detail

• Sound business and commercial acumen

• Ability to work under pressure and manage multiple tasks

• Proficiency in MS Office, particularly Excel

• Relevant qualification in Credit Risk Management or Accounting is advantageous

What Success Looks Like

• Accurate, well-reasoned credit decisions delivered within agreed timeframes

• High levels of first-time approvals with controlled arrears performance

• Trusted relationships with internal and external stakeholders

• Consistent adherence to credit policy, governance, and ethical standards

• Positive contribution to team objectives and overall credit effectiveness