Senior Credit Analyst: North Cluster (18 months Contract)

Recruiter:

Kamo Placements

Job Ref:

JHB000631/m

Date posted:

Tuesday, May 4, 2021

Location:

Centurion, South Africa

Salary:

Annually

SUMMARY:
To conduct a proactive, integrated analysis to assess and motivate the deal application within the corporate banking environment which includes financial status and business plan analysis, identification of potential financial and other risk, full credit and analytical assessment of loan applications mindful of set standards and the industry to which the loan relates to

POSITION INFO:

JOB DESCRIPTION

Loan Application / Origination Process Assessment – Deal Flow

Prepare deal applications for Clients within allocated area of responsibility for pre credit assessment using the guidelines and workflow processes:
Receive loan application documentation from the Corporate Banker

Loan Application / Origination Process Motivations - Create content

Assess application and conduct the necessary ITC checks and compile the Loan Decision Form
Interprets financial statements and accounts in respect of losses
Analyse forecasts and do sensitivity analysis

Create Content and Promotion of deal

Processing of approved applications
Present and support applications if required at credit committee and influence internal decision-making
Motivate risk ratio/grading of the loan

Processing of Application

Register the client profile and capture the application detail and terms on the system
Scrutinise the application form for completeness including accompanying documentation in terms of the approved loan guidelines and submits for valuation

Stakeholder Relationship Management

Work closely with the Corporate Banker, the Assistant Business Analyst as well as the Specialist Monitoring and Credit Division in order to achieve department objectives
Establish good working relationship with Credit and make sure to understand the Credit requirements
Ensure that the assessment process within the deal origination phase within Corporate Banking adds value to the overall credit application approval process

JOB REQUIREMENTS

Preferred Minimum Education and Experience

Relevant three year qualification - BTech in Credit or Risk Management or BCom Economics or Risk /Investment Management
3-5 years post qualification experience which will typically include the following:
Experience as a Credit Analyst or relevant in corporate or corporate banking environment
Experience in a Financial Services Lending environment
Experience in a customer facing environment within agriculture
Proven experience in handling banking lending activities in the absence of an agricultural or accounting qualification

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