To support the Relationship Manager to acquire new clients and increase returns on the current lending portfolio by growing market share in the allocated region(s).Minimum QualificationsGrade 12Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related fieldCertification such as Chartered Financial Analyst (CFA) will be an advantageMinimum Experience3 – 5 years of experience in credit analysis, credit administration, and/or risk managementKey Performance AreasAssist in the preparation and submission of comprehensive credit applicationsCompile various documents such as, but not limited to ITC, Windeed, new/updated valuations and bank codes and include them in the credit applicationCapture all the technical details of the application on the e-Credit systemEnsure that limits are noted according to the credit decisionEvaluate the creditworthiness of clients, analyse financial statements, and conduct credit risk analysis.Identify and mitigate potential credit risks.Monitor credit exposure and take corrective actions when necessary.Maintain and strengthen relationships with clients, providing support and guidance regarding credit policies and procedures.Promptly resolve all client queries.Ensure compliance with internal credit policies and external regulations, prepare detailed credit reports, and maintain accurate records.Implement and monitor adherence to credit limits and terms.Maintaining accurate and up-to-date records of credit assessments and decisions and preparing detailed credit reports and analysis.Technical Knowledge and CompetenciesProficiency in MS Office, especially ExcelKnowledge of SAPStrong financial acumen and analytical skillsExcellent planning and organising skillsGood interpersonal and communication skills in English and AfrikaansUnderstanding of relevant credit policies, financial regulations, and compliance requirements in South AfricaBehavioural CompetenciesAccuracy and attention to detailFlexible behaviourTeam player and able to work independentlyResult-oriented and analyticalFocus on qualityClosing date: 09 August 2024Please note that correspondence will be limited to shortlisted candidates only. Applicants who have not heard from us within 30 days of the closing date may assume that their applications have been unsuccessful and are hereby thanked for their interest. The filling of these positions will be aligned to AFGRI's Employment Equity Policy.
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