Business Credit Analyst - KZN

Bidvest Bank; KwaZulu-Natal; On-site; ZAR 300 000 - 400 000; Full time

Job summary

A leading financial institution in KwaZulu-Natal seeks a candidate for a role focused on assessing and processing Lending Applications. Responsibilities include analyzing credit data, preparing risk assessment reports, and ensuring customer service excellence. The ideal candidate will hold a Banking Diploma or Finance Degree and have extensive finance knowledge, along with 3-5 years of related experience. | This position promotes Employment Equity.

Qualifications

• 3-5 years related experience required.
• Ability to assess and process applications for Lending Applications.

Responsibilities

• Assessing, analyzing and interpreting complex financial information.
• Completing loan application forms and submitting for approval.
• Analyze credit data and financial statements to determine risk.
• Prepare reports that include risk assessment for lending.
• Generate financial ratios to evaluate customers’ financial status.
• Ensure customer service excellence.
• Communicate vision and services to clients.
• Identify problem areas and take corrective action.
• Analyze month-end reports for data accuracy.
• Interpret business/customer requirements for timely solutions.

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

Prioritizing

Quality orientation

Problem solving

Organised

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

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.