Investment Credit Analyst (7m FTC)

A leading financial services provider in Johannesburg is seeking a dedicated Investment Credit Analyst to join their team on a 7-month fixed-term contract, running from August 2025 to February 2026, with the possibility of extension.

This role offers you the opportunity to work at the heart of investment decision-making, managing a diverse portfolio of clients and ensuring that credit risks are expertly understood, monitored, and managed throughout the lifecycle of each loan.

You will play a pivotal part in shaping investment outcomes by conducting thorough analyses, presenting findings to key committees, and collaborating closely with stakeholders across multiple regions. The organisation values your expertise in credit analysis and risk management, providing an environment where your analytical skills and attention to detail will be highly valued.

Key qualifications and experience for the Investment Credit Analyst

• Degree in Finance, Accounting, or Economics
• CA(SA) / audit experience (highly preferred)
• At least 2 years relevant experience
• Credit Analysis experience
• Wholesale/Investment/Business Banking experience
• Solid understanding of finance and risk related matters affecting the company
• In-depth experience in portfolio and risk management
• Corporate / SME Credit Analyst experience
• Trade Finance experience (advantageous)
• Africa experience (advantageous)
• MUST BE IMMEDIATELY AVAILABLE TO START

Essential knowledge

• Write technical and non-technical communication, including developing appropriate reports for stakeholders relating to clients & deals.
• Analyse and improve policies and procedures in accordance with best practice.
• Analyse, interpret and understand financial statements and complex financial models with an understanding of accounting practices, legal, tax, industry and regulatory requirements.
• Collect and analyse appropriate data to recognise key themes and trends and take appropriate action on existing or new deals in the portfolio.
• Prepare and be primarily responsible for credit applications with input from originators.

Key duties for the Investment Credit Analyst

• Investment Analysis & Country Risk Analysis
• Credit Approvals
• Conduct critical upfront and ongoing analysis of client businesses to ensure all investment risks are thoroughly understood, monitored, and managed throughout the loan lifecycle.
• Utilise rating models to assess clients, analyse financial statements, interpret complex financial models, and validate assumptions before presenting recommendations to the Investment Committee.
• Undertake client visits during onboarding processes and perform independent credit analyses for each new transaction to ensure robust due diligence.
• Evaluate collateral structures and other credit risk mitigations while continuously monitoring their effectiveness over time.
• Present detailed findings and recommendations to the Investment Committee, supporting informed decision-making on new deals and existing exposures.
• Manage all credit-related matters for a portfolio of clients from pre-approval through disbursement to post-trade monitoring, maintaining acceptable non-performing loan ratios.
• Perform annual reviews and quarterly high-level risk assessments on client portfolios, challenging credit applications as needed and conducting stress tests on collateral positions.
• Monitor country-specific developments—including economic trends, political changes, and regulatory shifts—and report aggregate credit exposures at both client and country levels.
• Prepare comprehensive credit papers for deal origination through post-close monitoring, ensuring legal structuring aligns with approved conditions and industry best practices.
• Support ad-hoc tasks such as minute-taking at committee meetings, responding to portfolio queries, and preparing stakeholder reports.
• Ensure deals are legally structured in accordance with credit conditions and approvals.
• Stress testing
• May require minimum travel into Africa if needed

Key skills

• MS office, Excel (advanced level)
• Strong verbal and written communication (Networking & negotiation)
• Planning, organising, time management & highly analytical self-starter

What's next:

If you are ready to take the next step in your career journey as an Investment Credit Analyst within a collaborative team environment focused on impactful work across Africa’s dynamic markets, we encourage you to apply now!