Credit Lending Consultant / Analyst /Team Leader

Recruiter:

Isilumko Staffing (JHB)

Job Ref:

1023707613

Date posted:

Saturday, October 8, 2022

Location:

Johannesburg, South Africa

JOB SUMMARY:
-

JOB DESCRIPTION:

Credit Analyst. Application scoring OF UNSECURED LENDING ( MUST HOLD MANDATE)
Assessing application for personal, revolving, short-term, home loans and student loans.
Conducting of quality checks on received documents.
Validating client’s information received.
Conducting affordability checks on client’s credit history.
Sign off on approved applications and communicating on outcomes, approved, or declined

Assess applications for Customers (Business, SME, and Government) and Sales Vendors within the Credit Risk Function. Assess applications received aligning to the Credit Policy. Set clear requirements for additional requirements or conditions of grant. Clear recommendations on applications to be referred to Credit Committee. Contribute and chair the Credit Committee meeting and document outcome. Liaise with other departments in finalizing applications. Ensure conditions of grant is met before payment is authorized. Manage security document process end to end. Ensure documents are draft for Sales Vendor agreements and legally binding. Action and control termination and customer maintenance requests. Ensure compliance with legislation and implement appropriate procedures. Ensure policies and procedures are maintained in end-to-end business process. Compile effective and clear reporting to internal and external stakeholders on business performance related to credit risk. Interact with internal and external parties representing Credit in different forums. Enhance and maintain Service Level Agreements (SLA) and Operating Level Agreements (OLA).

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