Minimum Requirements:B Com Degree or similar in a financial-related qualification. Postgraduate qualification/certificate would be advantageous. At least NQF7 finance-related qualification.3-5 years' experience in the credit, property, or financial sector.Key Activities:Recommend risk rating changes when analysis merits this, which includes credit investigation of the borrower and guarantors, economics, and market conditions related to the organizational, industry, and market area. Utilize credit rating and pricing tools to determine appropriate ratings and prices, developing an in-depth knowledge of the target market. Verify and check information received and identify additional information required.Introduce risk mitigating measures as input to structure transactions in line with the risk management framework of the organization.Develop client credit risk profile and recommend risk mitigators and solutions.Deliver meaningful, detailed credit analysis while providing efficient and timely service to the Lending Division in line with agreed turnaround times for applications.Report to the Credit Manager findings that may have an adverse effect on loan collateral or borrower's ability to repay the loan.Ensure that all credit files are complete, identify any documentation deficiencies, and report them to the Lending division or Legal division as needed for timely resolution.Ensure the facilitation of credit bureau clearances and references on borrowers and sureties.Perform credit checks on the borrowing entity, its directors, and all guarantors.Propose key covenants, collateral, and legal conditions to the application in accordance with the organizational approved key terms.Prepare Status Change report containing pre-conditions and special conditions to ensure that prior to the initial drawdown the client has complied with all loan conditions (e.g., supply of approved Council plans, provided equity for the transaction). Provide expert inputs and recommendations regarding the more complex applications/submissions.Conduct an in-depth financial analysis, and an in-depth analysis of the secondary sources of repayment such as collateral on new business proposals.Assess client viability, analyze forecasts, and do sensitivity analysis to ensure acceptable credit risk which will result in minimal credit losses for the organization.Develop financial models to support analysis of new loan/facility applications.Prepare a thorough, in-depth written analysis on new credit requests/proposals.Attend sanctioning Committee meetings to present analysis, findings, and recommendations for new applications.Provide answers to questions raised by the credit committee regarding specific credit analysis for loan facility applications.Provide input in the drafting of the facility agreements in collaboration with the organizational legal division.In collaboration with the Legal team, follow up on terms of approval, ensuring prior to facility drawdown that all key and specific conditions are clearly captured in drafting of legal agreements.Partner, build, and maintain internal constructive relations with stakeholders.Contribute to building synergies and cooperation across divisions in the organization, especially Lending and Legal.Assist with the formulation and amendments to the organizational credit policy.Implement organizational credit policy.Compile credit policies reviews, amendments. Maintain organizational credit risk register.Institute and/or recommend systems and processes for the implementation and control of credit policies and risk management procedures on the program.Contribute to the development of financial models and other tools that improve divisional efficiencies and turnaround times.Monitor and evaluate own work progress.Develop individual competencies as required.Ensure own performance reviews are completed and recommendations actioned.Update organizational and market-related knowledge.Duties & ResponsibilitiesSee DescriptionDesired Experience & QualificationSee Description
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