CLIENT BANKING ANALYST (COMMERCIAL BANKING & TRANSFORMATION)

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

Job summary

A leading financial services company is looking for a Credit Analyst to work closely with the Relationship Manager and Provincial Head. The role involves packaging credit submission documents, financial modeling, and ensuring compliance with policies and procedures. Successful candidates will have a relevant qualification, solid analytical skills, and prior experience in financial services lending, ideally within an agricultural context.

Qualifications

• 3 to 5 years of relevant experience.
• Experience as a Credit Analyst or in credit/lending assessment.
• Experience in a Financial Services Lending environment.

Responsibilities

• Package credit submission documents for Credit Committees.
• Financial modeling and business case development for loan applications.
• Provide first level quality assurance across key systems.

Skills

Communication

Financial Principles

Analytical

Time Management

Interpersonal Skills

Reporting

Planning

Computer

Education

NQF Level 5 qualification

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