Credit Analyst

If you’re passionate about agriculture, have a sharp eye for credit risk, and enjoy structuring sound lending solutions, this Credit Analyst opportunity could be your next career move. Join a respected financial services organisation where credit excellence, commercial judgement, and relationship-driven decision-making are at the heart of the business.

Our client, a leading player within the financial services sector, is seeking an experienced Agricultural Credit Analyst to join their credit team.

This role is responsible for conducting detailed credit risk assessments, analysing financial information, and providing high-quality credit recommendations that support informed lending decisions. The successful candidate will work closely with internal stakeholders to structure transactions, identify key risks, and ensure compliance with established governance frameworks.

This is an exciting opportunity for a commercially minded professional who understands agricultural operations, enjoys working with complex transactions, and can confidently engage with both farming clients and senior decision-makers.

Key Responsibilities

• Conduct comprehensive credit and financial risk assessments.
• Analyse financial statements, cash flows, and key risk indicators to determine creditworthiness.
• Identify transaction risks and recommend appropriate mitigation strategies.
• Prepare detailed and well-reasoned credit recommendations for approval.
• Support credit committees with insightful and structured credit submissions.
• Assist in structuring transactions that balance commercial objectives and risk requirements.
• Collaborate with business units to deliver viable financing solutions.
• Ensure adherence to credit policies, procedures, and governance frameworks.
• Maintain accurate documentation and audit trails.
• Provide support and mentorship to junior analysts.
• Contribute to the continuous improvement of credit analysis standards and quality.

Job Experience and Skills Required

• Bachelor's Degree in Finance, Accounting, Agricultural Economics, or a related field.
• Postgraduate qualification in Finance, Accounting, or Risk Management will be advantageous.
• 3-5 years' experience in agricultural credit analysis and/or banking.
• Strong understanding of financial statement analysis and credit risk evaluation.
• Ability to assess farming operations and agricultural cash flows.
• Experience interacting and communicating with agricultural clients.
• Understanding of agricultural sector risks and deal structuring principles.
• Ability to present and motivate complex credit transactions to stakeholders and committees.
• Strong report writing and credit submission skills.

Competency Requirements

• Strong analytical thinking and problem-solving ability.
• Exceptional attention to detail and accuracy.
• Excellent communication and presentation skills.
• Commercial acumen and sound judgement.
• Ability to develop relationships with internal stakeholders and clients.
• Strong organisational and time management skills.
• Ability to work independently while contributing to team success.

Apply now!

For more exciting Finance, Engineering, IT, Supply Chain, Commercial & Executive opportunities, please visit:

Network Recruitment International

I also specialise in recruiting within the following areas:

• Financial Managers

• Financial Accountants

• Financial Controllers

• Chartered Accountants

• Group Reporting & Consolidation Accountants

• Commercial Finance and FP&A professionals

If you have not received a response within two weeks, please consider your application unsuccessful. Your profile will, however, remain on our database for future suitable opportunities.

For more information, contact:

Ulrike Groenewald

Recruitment Consultant

[email protected]