Client Banking Analyst - Upington

Fempower Personnel; Upington; On-site; ZAR 300 000 - 500 000; Full time

Job summary

A leading financial services company seeks a Credit Analyst to support credit submissions and loan assessments. The role involves financial modeling, analysis, and providing recommendations based on thorough evaluations of business cases and financial statements. Candidates should possess a BTech in Credit or Risk Management and relevant experience in a commercial banking environment.

Benefits

Extended hours as required

Travel as required

Valid driver’s license required

Qualifications

• 3 to 5 years of experience as a Credit Analyst or in credit/lending assessment.
• Experience in a Financial Services Lending environment.
• Relationship management experience in a customer-facing environment.

Responsibilities

• Package credit submission documents for Credit Committees.
• Provide recommendations on loan application viability based on financial analysis.
• First level quality assurance on applicable policies and procedures.

Skills

Credit Analysis

Investment Analysis

Lending

Relationship Management

Reporting

Education

BTech in Credit or Risk Management

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

Tools

SAP

CRM

Acceleris

Job description

MAIN PURPOSE OF THE JOB

• 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

• 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

Critical Competencies

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

Additional Requirements

• Extended hours as and when required
• Valid driver’s license
• Travel as and when required

Desired Skills:

• Credit Analysis
• Investment Analysis
• Lending
• Relationship Management
• Reporting

About The Employer:

Banking