Retail Credit Analyst

Bayerische Motoren Werke Aktiengesellschaft; Midrand; On-site; ZAR 30 000 - 60 000; Full time

Job summary

An established industry player is seeking a detail-oriented credit analyst to assess and make decisions on credit applications. This role emphasizes strong analytical skills and effective communication to support dealer relationships and contribute to profitability. The ideal candidate will have a solid background in credit functions and a keen understanding of financial analysis. Join a dynamic team where your expertise will drive process improvements and enhance financial stability in a fast-paced environment. If you thrive under pressure and have a passion for optimizing processes, this opportunity is for you.

Qualifications

• 3-5 years of experience in end-to-end credit functions.
• Ability to analyze financial statements and interpret ratios.

Responsibilities

• Perform credit risk assessment and financial analysis on applications.
• Build and maintain relationships with internal and external partners.
• Provide input for process optimization and system enhancements.

Skills

Credit risk assessment

Financial analysis

Communication skills

Negotiation skills

Attention to detail

Education

Credit qualification

BCom degree

Job description

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To assess and make decisions on credit applications within prescribed credit policies, procedures, and risk parameters, as well as facilitate the payout of the first release process. Drive a high focus on dealer relationship management and contribute to the company's overall profitability, in compliance with the company's policies and internal control systems. Perform the CPU final release function.

Key Accountabilities

• Perform credit risk assessment and financial analysis on corporate and individual client applications.
• Adhere to service levels and turnaround times in support of business strategy.
• Evaluate all aspects related to credit risk and derive sound credit decisions.
• Stay informed about market developments, especially regarding processes and credit policies.
• Maintain an objective and consistent approach to credit assessment.
• Build and maintain relationships with internal and external business partners.
• Finalize payouts and verify mandatory documents.
• Respond to emails, CIC emails, and handle inbound and outbound calls.
• Engage in self-development through training programs and on-the-job training.
• Provide input and recommendations for process optimization and system enhancements within the department.
• Identify and support the implementation of automation, efficiencies, and process improvements.
• Adhere to internal control systems and actively contribute to detecting and mitigating process gaps.
• Perform any other tasks assigned by management to respond to environmental changes, business needs, or to protect the company's reputation and financial stability.

Educational Background / Professional Knowledge and Experience / Other Skills

• Credit qualification or BCom degree (or equivalent).
• 3–5 years of experience in end-to-end credit functions.
• Familiarity with standard concepts, practices, and procedures in the credit environment.
• Sound understanding of vehicle asset finance and home loans (if applicable).
• Knowledge of NCA / FAIS compliance is a benefit.
• Understanding of asset-based finance, corporate, and home loans.
• Ability to analyze financial statements and interpret ratios.
• Excellent verbal and written communication skills, with the ability to work effectively with people.
• Strong administrative skills and attention to detail.
• Excellent persuasion, negotiation, and conflict resolution skills.
• Ability to work under pressure and meet deadlines.
• Knowledge of relevant legislation such as NCA, FICA, FAIS, etc.