Offer summary

Qualifications:

Bachelor's degree in Commerce, Engineering, or PPE., Experience working in a family business is preferred., Strong analytical, communication, and project management skills., Interest in SMEs, impact investing, and socio-economic growth..

Key responsibilities:

Engage with entrepreneurs to understand their businesses.

Prepare credit evaluation reports and assess financial statements.

Conduct on-site evaluations and ongoing risk management activities.

Collaborate with the Credit Committee to support lending decisions.

Job description

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

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