Credit Assistant - VKB Financing, Middelburg at VKB Group

The role:

We’re looking for a Credit Assistant/ Analyst who embodies our values:

• Smart - Apply analytical thinking to assess creditworthiness, interpret financial data, and make sound recommendations. Being smart means not just knowing the numbers, but understanding the story behind them.
• Bold - Confidently raise concerns or insights when reviewing applications, even if they challenge assumptions. Boldness ensures risks are flagged early and opportunities aren’t overlooked.
• Hungry Show eagerness to learn new credit policies, financial tools, and industry trends. A hungry assistant actively seeks growth and improvement, aiming to deliver better results each day.
• Humble Recognize that credit decisions impact people’s lives. Approach each case with empathy, respect, and a willingness to learn from colleagues and feedback.
• Play as a team Collaborate with loan officers, analysts, and customer service teams to ensure smooth processes. Teamwork means sharing knowledge, supporting others, and celebrating collective success.

Job Description

• To assess, analyse, and monitor agricultural credit facilities by evaluating financial information, managing risk, and supporting informed lending decisions that promote sustainable client growth.

Requirements

• Min Grade 12 or NQF4
• Bachelor's degree or Diploma in Finance, Accounting, Agricultural Economics or Economics
• RE5 will serve as an advantage
• Experience within the banking and financial environment will serve as recommendation
• A minimum of 3 years' relevant experience in credit analysis and agricultural finance.
• Strong analytical and problem-solving abilities.
• Excellent attention to detail and a high level of accuracy.
• The ability to build and maintain professional relationships with clients and stakeholders.
• Proficiency in Microsoft Office applications, particularly Excel.
• Experience using financial analysis tools and systems.
• An understanding of agricultural finance and farming operations.
• Constantly adding value to the current functions of the job
• Ability to function well in a high-pressure environment
• Knowledge of the National Credit Act
• Fluent in Afrikaans and English as this position is a client facing role

Duties

• Analysing financial statements, management accounts, and cash flow budgets of farmers and agricultural businesses.
• Conducting general credit and administrative functions related to credit applications.
• Assessing and verifying securities such as farms, livestock, crops, and agricultural equipment.
• Evaluating whether sufficient security is available to support financing requests.
• Reviewing and reassessing annual credit facilities.
• Identifying clients who may be experiencing financial stress and proactively highlighting potential risks.
• Working closely with Relationship Managers to understand client needs and prepare credit applications.
• Ensuring compliance with company Credit and Risk Policies.
• Producing clear credit recommendations, reports, and financial assessments.
• Timely completion and follow-up of administrative duties (inquiries, auditors)
• Completion of tasks – urgency, professionalism, and contributing to improved outputs
• Application of the POPI Act in handling member inquiries

Skills

• Strong financial and credit analysis skills.
• Sound risk assessment capability.
• Excellent written motivation and report-writing skills.
• Strong customer and relationship management skills.
• A detail-oriented approach with high levels of accuracy.
• The ability to work under pressure and meet strict deadlines.
• Strong communication and interpersonal skills.
• The ability to collaborate effectively within a team environment.
• Commercial awareness and sound judgement.

Closing Date 24 September 2026