Credit Analyst

Credit Analyst

Spartan Background

Explore Spartan’s culture and the impact you’d make in funding SMEs to grow - view our Careers page.

The Fit – You & Spartan

Spartan SME Finance focuses exclusively on established SMEs - we are changing South Africa one SME at a time and need people who believe that inclusive growth can happen through helping SMEs grow. If you are looking to help us grow SMEs and build our SA - then you are the right person.

Spartan opened in 1981 and provides financing that backs entrepreneurs. This is done by adopting a structured finance approach that incorporates an intimate understanding of both the jockey [entrepreneur] and their business [SME].

We value a person with truthful candid talk, creativity, curiosity, conscientiousness and an obsession towards holistic learning & growth.

 This Role will:

• Allow you to consistently engage with entrepreneurs to gain an intimate knowledge of their businesses


• Allow you to explore and profile owners’ personalities


• Allow you investigate trends in industry and sectors and apply those determinations


• Expand your general business & industry knowledge exponentially


• Get you to directly make a difference to entrepreneurial businesses and build our country


• Engage with the Credit Committee

If you have a couple of years' post-graduate experience and are seeking something different, then you should apply to Spartan SME Finance.

We’re more effective as a team that works closely together and engages with its customers and stakeholders, face-to-face – consequently we are entirely office based [i.e. no work-from-home mode].

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, assess cashflow forecasts 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 activities on successfully funded SME's


• Promote and reinforce the role of Spartan as the financier to SMEs, constantly improving relationships with entrepreneurs and potential partners

We’re more effective as a team that works closely together and engages with its customers and stakeholders, face-to-face – consequently we are entirely office based [i.e. no work-from-home mode].

Desired Skills and Experience

• Preferable the candidate should have an undergraduate Commerce or Engineering degree or a Politics, Philosophy and Economics (PPE) degree.


• Worked in a family business


• 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

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

 Remuneration

• Market-related salary based on experience, with company benefits [medical aid, provident fund, etc]

Application Requirements

• CV


• Cover/Motivation Letter

Industry

• Financial Services

Employment Type

·        Full-time, Onsite (No Remote)