Vacancies At Discovery – Credit Lending Analyst

Job Description:
The Credit Lending Analyst is responsible for assessing and making decisions about customer credit applications for Discovery Bank. The incumbent is also required to assist in the constant evolution of this job to match the growth phases of the digital banking business, and the needs of the customer. This role assists in keeping the credit exposure within predefined risk limits.
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Job Responsibilities:

Assesses and make decisions about customer credit applications using a range of criteria including credit viability, customer payment history and customer credit-worthiness.
Evaluates, reviews and assess clients credit data and financial statements in order to determine the degree of risk involved in lending money to them
Works within the mandates and credit limits approved by the bank to ensure proper credit sanctioning
Determines the risk of default to the bank by assessing credit history, repayment history and credit scoring and infusion of third party data
Assists in continuous improvements of the credit lending processes to ensure the best customer experience within a digital banking environment.
Facilitates credit administration to ensure applicants are addressed
Performs the role aligned to the credit risk policy and the credit standard
Assists in making recommendations about procedural and/or policy changes for the digital banking environment.
Data analysis and ability to prepare reports
User acceptance testing
Manages exceptions and deviations from the bank risk framework
Interlinks with all stakeholders in relation to disputes, enquiries, escalations, and referrals to ensure all cases are addressed with TAT

Job Requirements:

At least 2 to 5 years' experience in a credit assessing or credit analyst role.
At least 2 years' experience in a call centre or similar customer interaction environment
A related credit lending qualification in a banking environment
A Bachelor's degree related to finance or equivalent

Job Details:
Company:Discovery Limited
Vacancy Type:Full Time
Job Location:Gauteng
Application Deadline: N/A
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