Business Credit Analyst - Inland

Bidvest Bank; Sandton; On-site; ZAR 300 000 - 500 000; Full time

Job summary

A prominent South African bank in Gauteng is looking for a candidate to assess and process lending applications. Responsibilities include analyzing credit information, preparing risk reports, and ensuring excellent customer service. The ideal candidate should possess a Banking Diploma or Finance Degree along with 3-5 years of related experience. Strong finance knowledge and excellent computer skills are essential for success in this role.

Qualifications

• 3-5 years related experience in financial roles.

Responsibilities

• Assess and analyze financial applications.
• Complete loan application forms and submit for approval.
• Analyze credit data and financial statements to evaluate risk.
• Prepare financial risk reports.
• Ensure customer service excellence.

Skills

Finance knowledge

Excellent computer skills in Word, Excel

Accounting principles

Good verbal and written communication

Attention to detail

Problem solving

Team Player

Ability to work under pressure

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

Qualifications

• 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.