Credit Specialist

We are recruiting on behalf of a client for a Credit Specialist to join a dynamic and high-performing team. This opportunity is ideal for an individual who thrives on analysing financial information, structuring tailored lending solutions, and building strong relationships with high-net-worth (HNW) and ultra-high-net-worth (UHNW) clients.

Responsibilities:

• Support and manage a portfolio of HNW and UHNW clients.
• Attend client meetings alongside lending specialists and advisory teams.
• Develop a deep understanding of client group structures across lending, investments, insurance and transactional banking.
• Analyse financial statements, cash flows, trends, forecasts and industry-specific risks and opportunities.
• Identify lending opportunities aligned to clients' wealth creation and balance sheet optimisation strategies.
• Structure lending transactions and prepare comprehensive credit submissions.
• Present credit recommendations to relevant decision-makers and committees.
• Communicate credit outcomes, structures, covenants and processes to clients and stakeholders.
• Monitor portfolio risk, covenants and deal-specific reviews.
• Proactively identify and address economic, industry and client-specific risks.
• Collaborate with internal stakeholders to deliver effective client solutions and exceptional customer experiences.
• Drive innovation and continuous improvement to enhance value, efficiency and service delivery.

Requirements:

• BCom in Finance or Accounting (CA qualification advantageous).
• Minimum of 1–3 years' credit experience within a banking or financial services environment.
• Strong business acumen and a sound understanding of credit risk assessment.
• Advanced financial statement analysis and cash flow modelling skills.
• Ability to forecast financial performance, perform ratio analysis and construct lending covenants.
• A solution-driven, deal-making mindset with strong commercial awareness.
• Excellent communication, presentation and stakeholder management skills.
• High levels of integrity, attention to detail and professionalism.
• Ability to work independently while contributing effectively within a team environment.

EE Disclaimer:

All positions will be filled in accordance with the company's Employment Equity plan. We encourage people with disabilities to apply.

Application Unsuccessful Disclaimer:

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REF: AD01