Credit Analyst at Spartan

Job Description

As a Credit Analyst, you will analyse financial statements of multiple SMEs in South Africa across various industry sectors with the aim of providing balanced feedback to the Credit Committee.

The candidate will be expected to:

• Engage and interview the entrepreneurs
• Prepare credit papers for review 
• Use inhouse and external rating agency credit rating tools and other economic indicators to supplement analysis
• Prepare detailed evaluation reports and prepare a balanced view credit paper to the Credit Committee
• Oversee and evaluate these lending/investment decisions
• Conduct on-site evaluation missions
• Perform ongoing risk management activiaties on sucessfully funded SME's
• Promote and reinforce the role of Spartan as the financier to SMEs, constantly improving relationships with entrepreneurs and potential partners

Required Qualifications

• Bachelor's Degree

 Required Disposition

• A keen interest in SMEs, impact investing and socio-economic growth
• Someone who wants to make a contribution to South Africa
• Someone who is self-aware
• Big picture thinker, but with an eye for detail
• Curiosity with constant holistic learning

 Desired Skills and Experience

• Preferably 3 years’ relevant work experience in business financing or business banking or SME credit analysis in either a bank, an investment company or an audit company
• Exposure to SMEs
• Ability to take initiative, learn quickly and strive for results
• Excellent communication skills (verbal and written)
• Strong team player and motivator
• Analytical mind, organized, attention to details
• Project management skills
• Techno savvy

 Remuneration

• Commensurate with market and years’ experience

 Application Requirements

• CV
• Motivation Letter