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Johannesburg: Credit Evaluation Specialist – Business & Agri Lending

Johannesburg: Credit Evaluation Specialist – Business & Agri Lending

Posted on 2025-06-27 00:00:00

Employer Unspecified
Category Accounting / Finance
Location Gauteng  / Johannesburg

Job Summary

What Youll Do: Conduct credit and affordability assessments for SME , commercial , and agri-finance clients , ensuring each lending decision is responsible and risk-aligned. Assess financial statements, cash flows, and collateral structures with precision. Provide clear, well-documented motivations for credit approvals or escalations. Collaborate with relationship managers to structure bespoke lending solutions . Attend client meetings (on-site and virtually) to better understand their business needs. Identify opportunities for asset growth aligned with ecosystem strategies and lending appetite. Uphold risk governance by stipulating facility conditions and ensuring credit compliance. Ideal Candidate Profile: A Bachelors degree in Finance, Accounting, Risk, or a related field. 57 years’ experience in intuitive credit assessment within business and/or agri finance. In-depth understanding of secured lending products , loan structuring, and collateral valuation. Strong working knowledge of the National Credit Act and other applicable regulatory frameworks. Hands-on experience analysing complex credit applications , and presenting to committees. Exposure to collections, collateral enforcement , or recovery processes is a plus. You Excel At: Making sound credit decisions under pressure. Translating financial data into actionable lending insights. Collaborating across credit, legal, and frontline sales teams. Presenting your case confidently and clearly to both stakeholders and clients. Balancing risk protection with client enablement . Why Apply? Work with a supportive, high-performing credit team in the heart of Gauteng . Gain exposure to diverse portfolios across industries and sectors. Be part of a team that values data-driven decisions , collaboration , and client impact . Hybrid model with flexibility and room to grow professionally.

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