Why become a Credit Analyst?

As a Credit Analyst, you’re not just crunching numbers — you’re at the heart of the client and lender relationship. Your financial and credit insights shape the funding strategies that help businesses grow, create jobs, and drive economic progress.
You’ll work alongside Relationship Managers, Risk Executives, and Product Specialists to provide tailored financing solutions that meet client needs while safeguarding the lender’s interests. From preparing high-quality credit papers in structuring commercial loans for new and existing clients, your financial and credit analysis underpins smart, convincing credit recommendations.

Fast-Paced, Dynamic Work

No two days are the same. You’ll juggle live transactions, urgent client requests, annual reviews, covenant compliance and collaboration amongst transaction team members — all while staying agile in a fast-moving environment.

Valuable, Transferable Skills

You’ll build deep expertise in financial analysis, credit analysis, structuring, relationship — skills that open doors to roles in relationship, risk, product, compliance and leadership.

Exposure to Diverse Businesses

From family-owned businesses to large corporates, you’ll get under the hood of a wide range of industries and business models — learning what drives success in each.

Impactful Work

You’re not just recommending risk approval of your credit papers, you’re enabling entrepreneurs, family businesses, small and large corporates to grow and provide employment to thousands of people. Your position as a Credit Analyst is vastly important to the economy.

Career Growth & Opportunities

This role provides a strong foundation for long-term success. Whether you move into relationship management, risk or team leadership, you’ll be equipped to grow.

💡 A Credit Analyst position isn’t just a stepping stone. It’s a launchpad.

The best Credit Analysts are more than technical experts — they are critical thinkers, problem-solvers, and trusted team members. The most impressive Credit Analysts we’ve worked with share these qualities:
Focused & Efficient: They cut through the noise, prioritise what matters, and deliver under pressure.
Curious and Proactive: They’re always asking questions, digging deeper, and anticipate issues before they arise.
Detail-Orientated: They check every assumption, ratio, and figure to ensure accuracy and credibility.
Clear Communicator: They tell the story behind the numbers — in writing credit applications.
Collaborative: They thrive in a team, working together with Relationship Managers, Risk Executives and Product teams to deliver the best outcomes for clients and the lender.

Be the brain behind great credit recommendations.

As a Credit Analyst, you’re not just crunching numbers, you’re shaping the future of businesses by enabling smart, responsible lending decisions. Your financial and credit analysis empowers the lender to support clients while protecting risk. Here’s what that looks like in action:

Financial Analysis

As a Credit Analyst, your foundation is built on strong financial literacy. You are expected to:
Review and interpret core financial statements (Profit & Loss, Balance Sheet, Cash Flow).
Calculate and analyse key financial ratios (Profitability, Liquidity, Leverage, Efficiency) to understand the client’s ability to repay.
Evaluate historical and forecast performance to identify trends, seasonality, and validate financial forecast for reasonableness.
Assess working capital and capital structures to understand the client’s financial stability.

In commercial lending, no two days are the same. Your week will be dynamic, balancing credit papers, annual reviews, client meetings, and team collaboration — all while staying agile enough to respond to urgent client needs. Here’s what a typical week might look like:

🕒 Weekly Snapshot