Personal Credit Analyst

Jhbchev; Johannesburg; On-site; ZAR 320,000 - 520,000; Full time

Job summary

Jhbchev is seeking a dedicated Financial Analyst to assess beneficiaries' financial situations, determine needs, and prepare grant proposals weekly for Case Committee. The role involves interacting with social workers, updating records, and assisting with grant renewals and related projects.

The successful candidate will have a B.Com or equivalent, experience in financial analysis or debt counseling, and strong Excel and interpersonal skills to balance financial and emotional client needs.

Qualifications

• B.Com degree with financial or similar major advantageous.
• Experience in a Financial Analyst, Financial Advisor, Credit Analyst, Personal Finance, or Debt Counsellor role.

Responsibilities

• Assess beneficiaries/applicants overall financial situation by reviewing income, assets, debts, expenses, credit reports, or other financial information.
• Calculate beneficiaries’ available monthly income to meet financial obligations including debt.
• Comfortably and respectfully engage with beneficiaries, in respect of both information gathering (pre-analysis) and provision of feedback (post-analysis).
• Make recommendations to Case Committee on the basis of the above financial analysis as to whether financial assistance is justified, as well as the extent thereof or in the case of residential admissions to Admissions Committee, whether a fee subsidy is justified, and how the fee should be structured.
• Consult with Social Workers in respect of consideration of non-financial factors in the decision-making process.
• Consider all other relevant budgetary/financial feedback to the beneficiary/applicant.
• Maintain or update records of beneficiaries/applicants including analysis, financial assistance being given, correspondence, documents, or beneficiary inquiries.
• Review changes to beneficiaries/applicants financial, family, or employment situations to determine whether changes to existing welfare/assistance plans are needed, either pro-actively or on request.
• Manage grant renewals and resulting client communication.
• Assist with ad-hoc welfare data or other projects.

Skills

Strong EQ

MS Excel – Intermediate

IT literacy & adaptability

Financial & analytical skills

Creative problem solving

Emotional intelligence

Interpersonal skills

Conflict management

Education

B.Com degree with financial or similar major advantageous

Job description

Position Type: Full Time – Fixed Term (6 Months)

Purpose of the Job

To analyse relevant personal financial information in order to determine the financial needs of beneficiaries and present conclusion and related grant proposal to Case Committee on a weekly basis and provide feedback on the grant to beneficiaries and similarly for residential subsidy applicants.

Role and Responsibilities

• Assess beneficiaries/applicants overall financial situation by reviewing income, assets, debts, expenses, credit reports, or other financial information.
• Calculate beneficiaries’ available monthly income to meet financial obligations including debt.
• Comfortably and respectfully engage with beneficiaries, in respect of both information gathering (pre-analysis) and provision of feedback (post-analysis).
• Make recommendations to Case Committee (held weekly) on the basis of the above financial analysis as to whether financial assistance is justified, as well as the extent thereof or in the case of residential admissions to Admissions Committee, whether a fee subsidy is justified, and how the fee should be structured.
• Consult with Social Workers in respect of consideration of non-financial factors in the decision-making process.
• Consider all other relevant budgetary/financial feedback to the beneficiary/applicant.
• Maintain or update records of beneficiaries/applicants including analysis, financial assistance being given, correspondence, documents, or beneficiary inquiries.
• Review changes to beneficiaries/applicants financial, family, or employment situations to determine whether changes to existing welfare/assistance plans are needed, either pro-actively or on request.
• Manage grant renewals and resulting client communication.
• Assist with ad-hoc welfare data or other projects.

Qualifications and Education Requirements

• B.Com degree with financial or similar major advantageous
• Experience in a Financial Analyst, Financial Advisor, Credit Analyst, Personal Finance, or Debt Counsellor role

Preferred Skills

• Strong EQ
• MS Excel – Intermediate
• Strong IT literacy and adaptability
• Strong financial and analytical skills – ability to analyse financial information and to piece together personal income statement and balance sheet
• Flexible and creative thinking in respect of considering various solutions and individual needs and case factors in the decision-making process
• Ability to balance financial and emotional needs of client
• Strong interest in Personal Finance
• Excellent interpersonal skills with strong Emotional Intelligence (EQ)
• Approachable and Personable
• Emotional resilience and maturity
• Ability to manage conflict or difficult communication