Credit Analyst – Prime Capital

Job Title: Credit Analyst (Maseru)
Company: Prime Capital
Location: Maseru, Lesotho
Employment Type: Full-Time

Position Overview

Prime Capital is seeking a motivated and detail-oriented individual to join its Credit Risk Team as a Credit Analyst (Junior Level). The successful candidate will play a key role in evaluating and analysing the creditworthiness of SMEs, supporting senior credit analysts, and preparing reports to guide financial decisions. This position offers an excellent opportunity for a finance professional seeking hands-on experience in credit risk assessment and fintech innovation.

Key Responsibilities

Financial Analysis

• Analyse financial statements, balance sheets, income statements, and cash flow statements.
• Evaluate financial ratios and trends to assess the financial health of borrowers.

Credit Assessment

• Assist in credit risk assessments for potential and existing clients.
• Review credit applications and supporting documents to determine creditworthiness.
• Recommend credit limits and terms based on risk assessments.

Reporting

• Prepare detailed credit analysis reports for senior analysts and management.
• Maintain and update credit files and ensure accuracy.
• Collect and verify financial data from clients and external sources.
• Conduct market and industry research to support credit evaluations.

Monitoring

• Monitor and review existing credit accounts to identify risks.
• Support credit review and portfolio analysis processes.

Collaboration

• Work closely with senior analysts and other departments for accurate credit assessments.
• Communicate with clients to gather information, clarify queries, and maintain strong relationships.

Qualifications and Experience

Education & Experience

• Bachelor’s degree in Finance, Accounting, Economics, or related field.
• 3-5 years of experience in financial analysis, credit risk assessment, or related roles.

Technical Skills

• Proficiency in financial analysis and understanding of financial statements.
• Familiarity with credit analysis tools and software.
• Strong Excel skills; experience with financial modeling is an advantage.

Analytical & Communication Skills

• Strong problem-solving and decision-making abilities.
• Excellent written and verbal communication skills.
• Ability to explain findings clearly and collaborate effectively with teams and clients.
• Strong organisational and time management skills.