Processing of credit proposals, compilation of autonomous credit submission reports that form part of funding applications disseminated to Credit Committees.
Responsible for oversight on the Origination of deals and management of credit and investment risk at the onboarding stage.
Qualifications B Com degree or equivalentPost graduate qualification will be an added advantageKnowledge and Experience 5 to 8 years of relevant experience in a financial institution, 2 years of which must be specifically in the SME spaceKnowledge and understanding of credit risk and any associated risks prevalent in the financing of transactions/projectsExcellent written and verbal communication skillsAdvanced proficiency in financial statement analysisAbility to work independently and collaboratively in a team environmentPortfolio management or Origination experience will be an advantage Provision of independent credit investment assessments on credit submissions to credit committees; exercise credit judgment; and make sound credit recommendations within stipulated Service Level Agreement.Participation in Due Diligence investigations with the SBUs Regional offices, provide advice on risks to be assumed, mitigating factors and assessing the viability of projects.Performing risk grading and pricing of Business Partners through the application of in-house credit risk tools and models and give constructive view on the output.Ensure adherence to Credit policies and procedures as well as team alignment to the Credit Risk Appetite strategy, taking into account group counterparty, and concentration limits guidelines.Assist in formulating tools and systems to better service the SME portfolio.Facilitating constructive working relations and healthy working morale with internal stakeholders.Prepare and position submissions at the relevant sanctioning committees.Perform pro-active on-going credit monitoring and risk management on a client and portfolio level and attend Investment monitoring committees.Ensure on-going compliance with regulatory requirements.Stay informed on industry trends, market conditions, and regulatory changes that may influence creditworthiness and investment decisions.TECHNICAL/FUNCTIONAL COMPETENCIES Problem SolvingBusiness AcumenReport writing SkillsStrong attention to detail and data validityProject Management SkillsStrong Analytical SkillsPlanning and OrganizingBEHAVIOURAL COMPETENCIES Good Communication SkillsSelf-motivated and self-driven skillsCoping with Pressures and SetbacksNegotiating and influencingInterpersonal Skills