Analyst Business Bank Credit

Capitec Bank Ltd.; South Africa; On-site; ZAR 300 000 - 400 000; Full time

Job summary

A prominent financial institution in South Africa seeks an Analyst for Business Bank Credit. The role involves supporting the Credit Manager with credit portfolio management, assessment and verification of credit applications, and evaluating associated risks. Candidates should possess numeracy skills and experience in Business Banking. Preferred qualifications include a Grade 12 certificate and a diploma in Accounting or Banking. The position demands attention to detail and analytical capability.

Qualifications

• 3+ years previous general banking experience, with 1-2 years in Business Banking.
• Experience in financial statement analysis and pre-checking credit applications.

Responsibilities

• Support the Credit Manager in managing credit portfolio.
• Assess and verify credit applications and risks.

Skills

Numerical Reasoning skills

Attention to Detail

Analytical Skills

Computer Literacy (MS Word, MS Excel, MS Outlook)

Education

Grade 12 National Certificate / Vocational

National Diploma in Accounting - Financial Accounting or Banking

Job description

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Analyst: Business Bank Credit (Commercial Credit)

To support the Credit Manager in the management of the credit portfolio in the assessment and verification of credit applications and assessing credit risks prior to the migration of risk groups to other areas of the Bank.

Experience

• 3+yrs previous general banking experience, of which 1-2 years should have been spent in the Business Banking environment.
• Financial statement analysis and pre-checking of credit applications

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• National Diploma in Accounting - Financial Accounting or Banking

Knowledge

• General understanding of how Business Banking operates, as well as understanding the business risks, industry risks and financial requirements pertaining to this market.
• Good knowledge of general banking practices and procedures, especially within a Business Banking environment.
• Good knowledge and understanding of Credit products, features and benefits.
• Knowledge of Credit principles and practices, including an understanding of credit applications, collateral and financial statement requirements.
• Knowledge of multiple legal entities (companies, close corporations, sole proprietorships etc.) in the Business market and the legislative restrictions and requirements governing these from a financial services perspective.

Skills

• Numerical Reasoning skills
• Attention to Detail
• Analytical Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)

Capitec Bank is an authorised financial services provider (FSP 46669) and registered credit provider (NCRCP13). Capitec Bank Limited Reg. No: 1980/003695/06