CREDIT ANALYST: COMMERCIAL BANKING & TRANSFORMATION

CREDIT ANALYST: COMMERCIAL BANKING & TRANSFORMATION

LOCATIONS:

CAPE TOWN x1
POLOKWANE x1
UPINGTON x1

JOB PURPOSE
To manage and perform quality credit analysis; financial analysis, including data collection, trend analysis, peer comparisons and industry overview to ensure good quality credit submissions to Credit Managers and Credit Committees for the allocated portfolio i.e. Commercial and Transformation Credit applications and mitigate any potential risk on behalf of the Company and recommend bankable solutions in accordance with approved Credit Policy, norms and the delegated level of power. Responsible for maintaining the portfolio including conducting annual credit reviews on existing portfolio, and re-advancing of production loans and revolving loans within assigned DOP and as when required by management.

QUALIFICATIONS

1. 3 year Tertiary Qualification (Commerce) Majors Accounting; Agri Economics, Credit Management
2. EXPERIENCE
3. 3 years Relevant credit assessment experience
4. Thorough knowledge of the:
   
   • NCA, CPA, FICA and related credit regulatory requirements
   • The primary and secondary agriculture sector finance.
   • Appraisal of credit proposals and deal structure for: assets finance, working capital, backward and forward integration finance
   • Advanced business acumen
5. JOB DUTIES / RESPONSIBILITIES
6. Credit Assessment and Risk Management
7. Carry out full credit assessments within allocated portfolio through credit submissions, financial analysis, reviews, re-advancing loans, collateral analysis, approval conditions tracking and risk management.
8. Check the credit submission for completeness, including accompanying documents in terms of the approved loan guidelines.
9. Ensure that all relevant information and documentation has been received from the operations as per the agreed checklist.
10. Follow up with the Provincial offices to ensure that all supporting documentation is complete.

Desired Skills:

• NCA
• CPA
• FICA and related credit regulatory requirements

Desired Work Experience:

• 5 to 10 years

Desired Qualification Level:

• Degree

About The Employer:

LOCATIONS:
CAPE TOWN x1
POLOKWANE x1
UPINGTON x1