- Location
- City of Cape Town Metropolitan Municipality, Western Cape
- Type
- Full-time
- Department
- Finance
- Seniority
- Senior
- Closing date
- Today
- Source
- Vincere
Description
We are recruiting for an exciting opportunity with a fast-growing international financial services business looking to appoint an experienced Senior Credit Risk Manager to join their Cape Town team on a contract basis.
This is a hands-on senior credit role suited to someone who thrives in a fast-paced, high-volume environment and is comfortable taking ownership from day one. You will play an integral role across the full credit assessment process, while also helping to strengthen the business's credit and risk capabilities across its international operations, including Saudi Arabia.
The environment is dynamic and demanding, so we are looking for someone resilient, commercially minded and solutions-focused who can confidently manage competing priorities and tight turnaround times.
Key Responsibilities:
Financial Analysis
- Analyse financial statements, including balance sheets, income statements and cash flow statements
- Evaluate financial ratios, trends and performance to assess borrowers' financial health and creditworthiness
- Take significant responsibility for developing and strengthening risk capabilities for the Saudi Arabian market
Credit Assessment & Risk
- Lead and support credit risk assessments for potential and existing clients
- Review credit applications and supporting documentation to determine creditworthiness
- Assist in determining appropriate credit limits, structures and terms
- Work closely with technical, data and risk teams to continuously improve credit capabilities and processes
- Apply sound commercial judgement when assessing complex or higher-risk credit applications
Reporting & Investment Committee
- Prepare detailed credit analysis and recommendations for management
- Present customer credit assessments and recommendations to the Investment Committee (IC) for approval
- Maintain accurate and up-to-date credit records and supporting documentation
- Support regular portfolio reporting and credit reviews
Portfolio Monitoring
- Monitor existing credit accounts and proactively identify emerging risks
- Lead and support regular credit reviews and portfolio analysis
- Conduct market and industry research to support credit decisions and identify potential risk factors
Stakeholder Management & Leadership
- Work closely with senior risk leadership and other internal teams to ensure accurate and timely credit assessments
- Engage directly with clients to obtain financial information, resolve queries and clarify supporting information
- Provide guidance and support to more junior members of the credit team and contribute to their development
