CLIENT BANKING ANALYST (COMMERCIAL BANKING & TRANSFORMATION)

Secondments; Polokwane; On-site; ZAR 400,000 - 600,000; Full time

Job summary

A leading financial services company in South Africa is seeking a Credit Analyst to support loan application processes by providing thorough analysis and financial modelling. This role requires strong analytical skills and 3-5 years of experience in a banking environment. As part of a dynamic team, you'll also ensure compliance with policies and contribute to business development efforts.

Qualifications

• NQF Level 5 or relevant three-year qualification required.
• 3 to 5 years experience as a Credit Analyst or in lending assessment.
• Experience in financial services lending environment preferred.

Responsibilities

• Package credit submission documents for Credit Committees.
• Provide analysis and recommendations on loan applications.
• Conduct quality assurance functions on applicable policies.

Skills

Financial Principles

Analytical

Communication

Time Management

Interpersonal Skills

Planning

Reporting

Computer

Education

BTech in Credit or Risk Management

Undergraduate Degree in Commercial / Business Sciences / Risk Management / Investment Management

Job description

To work closely with the Relationship Manager and Provincial Head to package the credit submission documents for Credit Committees. To act as consolidator of inputs from team members in the development of the business case for loan applications - inclusive of working on a team-basis with members of the team in the Provincial Office and the Credit Analysts in the Risk Management Division. Financial Modelling, Analysis & Deal structuring. To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
o The business case
o Financial statements - inclusive of cash flow projections
o Risk Considerations and Mitigation thereof
o Security and Collateral
o Development, Social and Environmental Impact considerations.
To provide a first level quality assurance function on the applicable policies and procedures related to the transaction under consideration. To provide first level quality assurance across key systems used by business such as SAP,CRM and Acceleris

Preferred Minimum Education and Experience

• NQF Level 5: or Relevant three year qualification - BTech in Credit or Risk Management or - Undergraduate Degree in Commercial / Business Sciences / Risk Management / Investment Management.
• Post qualification experience which will typically include the following: 3 to 5 Years
• Experience as a Credit Analyst, or relevant credit / lending assessment experience in a commercial or corporate banking environment
• Experience in a Financial Services Lending environment
• Relationship management experience in a customer facing environment - within an agricultural environment an advantage

Desired Skills:

• Computer
• Communication
• Financial Principles
• Interpersonal Skills
• Reporting
• Planning
• Analytical
• Time Management

Desired Work Experience:

• 2 to 5 years