Back to Search Results

Corporate Credit Analyst - Team leader

Cape Town
Salary: Market Related
Job Type: Permanent
Sectors: Investment Finance
Reference: 178438

Apply before Sep 30 2026 | 183 Days left

Apply

Vacancy Details

Employer: Merchant West Holdings

Role Purpose:

As a pivotal member of the Credit Risk team, this role combines strategic oversight with hands-on expertise. You will lead a

team of credit analysts, driving excellence in credit application preparation and ensuring high-quality presentations to senior management.

Your responsibilities include managing day-to-day operations, optimizing team performance, and fostering a culture of continuous

learning through training and upskilling initiatives. Collaboration is key—you’ll work closely with cross-functional teams, contributing

insights that shape strategic decisions.

In addition to leadership duties, you will prepare credit applications, conducting thorough assessments of clients’ financials, market

position, and creditworthiness. Your recommendations will be clear, well-structured, and aligned with business growth objectives, while

maintaining strict compliance with internal policies and regulatory standards.

Main Accountabilities:

Deal Origination

Adding value to the pre-Credit process by managing and participating in pre-deal discussions; assisting with deal structuring and solutioning; management of deal flow and resource allocation within the teams to manage turnaround time.

Deal evaluation and assessment

Ensure quality credit applications across the team and working with analysts on diﬃcult presentations to ensure a seamless presentation to MWCC.

Complete and finalize credit applications

Analysing financial statements, understanding industry dynamics and market trends, ensure that credit decisions adhere to the company’s credit policies, procedures, and regulatory requirements, accurately articulating credit risk implications of change requests related to previously approved transactions.

Relationship Management

The building of relationships within the greater Credit teams, Front Oﬃce, Legal and other teams

Post approval implementation

Liaison with compliance and legal for document preparation, correct capturing of conditions of sanction.

Risk management

Awareness of the credit environment in general and applying this knowledge when presenting.

Staﬀ management

Provide training for new starters and perform inductions where necessary.

Ad- Hoc Tasks

Assist the Credit Manager with data clean-up and other ad-hoc projects.

Client visits

Accompanying portfolio managers on client visits from time to time.

Qualifications:

BCom degree with Finance and/or Accounting as a subject(s)
Post degree qualification could be advantageous as well as CA/ CFA / CIMA / MBA

Experience:

Minimum 3-5 years working knowledge of credit risk management, within the commercial/ corporate sector
Familiar with National Credit Act

Skills:

Ability to understand and analyze financial statements
A thorough understanding of financial ratios, especially those used in credit analysis
Strong credit analytical ability
Strong financial and business acumen

Competencies:

Leadership and team development
Analytical thinking and problem solving
Decision making and sound risk judgement
Attention to detail and accuracy
Stakeholder engagement and collaboration
Communication and influencing capability
Accountability and ownership
Integrity and governance discipline

Apply

21 people have viewed this job.

About Merchant West Holdings

Established in 1998, Merchant West is an independent financial services company offering specialist business finance services. Our areas of expertise include; Asset Finance, Working Capital Solutions, Capital Markets, Fleet Leasing, Asset and Wealth Management. Our mission is to be the leading specialist financial services company by attracting and retaining talented staff, servicing our customers and partners and by creating value for our stakeholders. Our purpose is to improve the fortunes of our clients.