Mandating Credit Analyst

The HR Company; Durban; On-site; ZAR 200 000 - 300 000; Full time

Job summary

A leading HR firm in Durban seeks a candidate for a role focusing on credit assessment. Responsibilities include evaluating financial information, making independent credit decisions, and preparing detailed approval sheets. The ideal candidate should have relevant experience in financial analysis and strong communication skills to liaise with teams and stakeholders effectively. Compliance with company policies is essential. Join a dynamic team and play a crucial role in financial decision-making.

Qualifications

• Relevant experience in credit assessment and financial analysis.
• Ability to evaluate and analyze financial information like bank statements and credit reports.
• Strong communication skills for liaising with teams and stakeholders.

Responsibilities

• Evaluate and analyze financial information for incoming applications.
• Make independent credit decisions within a delegated approval limit.
• Identify potential risks and trends in deals.
• Prepare detailed approval sheets for higher-level reviews.
• Ensure compliance with company policies.

Job description

Key Responsibilities

Credit Assessment :

• Evaluate and analyze financial information (bank statements, management accounts, credit reports, etc.) for all incoming applications.
• Make independent credit decisions within the delegated approval limit of R200,000.
• Identify potential risks, trends, and mitigating factors in each deal.
• Conduct qualitative and quantitative analysis of applicants, contract holders, and suppliers.
• Prepare detailed approval sheets and credit recommendations for higher-level reviews.
• Ensure compliance with company policies.

Operational Support

Liaise closely with Application Specialists to ensure complete and accurate deal submissions.

• Work collaboratively with Sales and Discounting teams to structure deals appropriately.
• Communicate decisions (approvals, declines, or deferrals) promptly and professionally to relevant stakeholders.