Role Summary:

• Our team at Financial Products Division (FPD) is looking for a highly skilled and analytical Senior Credit Analyst to join our dynamic team in South Africa. In this role, you will be responsible for evaluating commercial loan applications by assessing creditworthiness, reviewing credit histories, and performing comprehensive financial statement analyses. Your insights and expertise will be instrumental in making sound credit decisions that align with our company lending policies risk appetite.

Responsibilities

• Reviews the credit history, profitability and liquidity of clients to assess the risk level involved in credit extension or money lending.
• Consults with customers to verify financial and credit transactions; responds to customer inquiries and resolves customer complaints.
• Communicates with credit associations and other relevant authorities about the credit history of customers.
• Analyses financial data to determine customers’ financial status and the expected profitability of commercial loans; recommends approval or denial of loan applications.

Skill You Will Have:

• Finance and Accounting: Knowledge of finance and accounting practices, financial analysis, and reporting; ability to apply finance knowledge appropriately to diverse situations.
• Risk Management: Knowledge of processes, tools and techniques for assessing and controlling an organization’s exposure to risks of various kinds; ability to apply knowledge of risk management appropriately to diverse situations.
• Accuracy and Attention to Detail: Understanding the necessity and value of accuracy; ability to complete tasks with high levels of precision.
• Analytical Thinking: Knowledge of techniques and tools that promote effective analysis; ability to determine the root cause of organizational problems and create alternative solutions that resolve these problems.
• Effective Communications: Understanding of effective communication concepts, tools and techniques; ability to effectively transmit, receive, and accurately interpret ideas, information, and needs through the application of appropriate communication behaviours.
• Collateral Management: Knowledge of the concepts, objectives, tools and methods used in collateral management, ability to implement and develop collateral strategies for risk control and profit management.
• Credit Analysis and Verification: Knowledge of credit analysis and verification; ability to utilize tools and techniques to determine the creditworthiness of an applicant, statement data and determine the creditworthiness of a business enterprise.

What Will Put You Forward:

• A completed BCom degree in Finance, Credit or a related field of study.
• 4 years minimum experience in a similar position.
• Excellent knowledge and experience of credit process, and the ability to analyze customer financial statements and assessing credit worthiness