Job title : Credit Analyst- Small Business Finance
Job Location : Gauteng,
Deadline : December 13, 2024
Quick Recommended Links
Jobs by Location
Job by industries
Qualification and Experience Qualifications B Com degree or equivalent Post graduate qualification will be an added advantage
Knowledge and Experience 5 to 8 years of relevant experience in a financial institution, 2 years of which must be specifically in the SME space Knowledge and understanding of credit risk and any associated risks prevalent in the financing of transactions/projects Excellent written and verbal communication skills Advanced proficiency in financial statement analysis Ability to work independently and collaboratively in a team environment Portfolio management or Origination experience will be an advantage
Roles and Responsibilities 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.
Accounting / Financial Services jobs