Company: Sanlam Group
Industry: Banking / Financial Services
Deadline: Sep 20, 2025
Job Type: Full Time
Qualification: Bachelors
Experience: 2 – 3 years
Location: Gauteng
City:
Field: Data, Business Analysis and AIÂ , Finance / Accounting / Audit, ICT / Computer
Job Title: Sme Credit Analyst
What will you do?
- The SME Credit Analyst is responsible for assessing and managing the credit risk of small and medium-sized enterprise (SME) clients. The role involves analyzing financial information, evaluating business risks, assigning credit ratings and making informed credit recommendations to support sound lending decisions and portfolio growth.
Responsibilities Include
- Responsible for researching, analysing and provision of relevant information and recommendations regarding investment attractiveness.
- Analyses an SME’s position within its industry, sales and profit estimates, projected rates of return on capital, total equity, asset utilisation and leverage.
- Projects short- and long-term cash flows and ability to service and repay debt.
- Assists with annual reviews, covenant monitoring, report backs and explain performance variances.
- Makes recommendations for the initial loan facility, renewals and/or amendments.
- Responsible for post investment monitoring and liaison with support staff including fund accountants, legal, operations etc.
Qualification and Experience
- BCom, CFA, CA with 2 to 3 years related experience.
Knowledge and Skills
- Company research and analysis/ fixed interest/ alternative investments
- Rank companies within industry
- Recommendations and presentation of results
- Financial Modelling
