Business Credit Analyst - Inland

Bidvest Bank Limited; Sandton; On-site; ZAR 350 000 - 500 000; Full time

Job summary

A leading financial institution is seeking an individual to assess and process Lending Applications. The role involves analyzing financial data, preparing reports, and ensuring exceptional customer service. The ideal candidate will have a Banking Diploma or Finance Degree, along with 3-5 years of related experience. Strong computer skills, attention to detail, and the ability to work under pressure are essential for success in this position.

Qualifications

• 3-5 years related experience is required.

Responsibilities

• Assessing, analyzing and interpreting complicated financial information.
• Completing loan application forms and submitting them to loan committees.
• Analyzing credit data and financial statements to assess risk.
• Preparing reports on the risks involved in lending money.
• Generating financial ratios to evaluate customers’ financial status.
• Ensuring customer service excellence.
• Communicating vision and services.
• Identifying problem areas and ensuring corrective actions.
• Analyzing month-end reports for data accuracy.

Skills

Finance knowledge and ability to read financial statements

Excellent computer skills in Word

Excellent computer skills in Excel

Accounting principles

Good verbal and written communication

Attention to detail

Problem solving

Organized

Professionalism

Confidentiality

Innovation

Team Player

Assertiveness

Cost conscious

Motivated

Ability to work under pressure

Integrity

Vision

Independence

Education

Banking Diploma / Finance Degree or Diploma

Job description

Primary Purpose

To assess and process applications for Lending Applications as well as monitor various other collateral functions.

Minimum Requirements

• Banking Diploma /Finance Degree or Diploma

Competencies

• Finance knowledge and ability to read financial statements
• Excellent computer skills in Word, Excel
• Accounting principles
• Good verbal and written communication
• Attention to detail
• Prioritizing
• Quality orientation
• Problem solving
• Organised
• Professionalism
• Confidentiality
• Innovation
• Team Player
• Assertiveness
• Cost conscious
• Motivated
• Ability to work under pressure
• Integrity
• Vision
• Independence

Ideal Experience

• 3-5 years related experience

Duties And Responsibilities

FINANCIALS

• Assessing, analyzing and interpreting complication financial information
• Completing loan application forms and submitting to loan committees for approval
• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money
• Prepare reports that include the degree of risk involved in extending credit or lending money
• Generate financial ratios, using computer programs, to evaluate customers’ financial status

CUSTOMER CENTRICITY

• Ensures customer service excellence
• Communicate vision and services
• Identify problem areas and ensure corrective action is taken.
• Analysis of the month-end reports to ensure accuracy of data.
• Interprets business/customer requirements to provide timeous solutions.
• Responsiveness: Speed of responses, reaction time, going the extra mile, turnaround time.

REPORTS

• Document Control
• Monthly reporting
• General Reporting

This position is advertised in line with our commitment to Employment Equity.