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Credit Analyst
2 weeks ago
Credit Risk Assessment
Analysis of financial statements and management accounts in order to assess financial performance of applicants as well as guarantor entities.
Assess and review annual reviews timeously, including researching market trends, to perform qualitative reviews Ensure average approval turnaround time of 3 working days.
Arrange for approval of Credit Proposal timeously.
Respond to queries made by various committees relating to the proposal as and when required
Completion and verification of amortization schedules
Prepares Executive summaries for Board Credit Committee
Maintenance of expert knowledge on relevant legislative amendments, industry best practices and provision of proactive advice and solutions to relevant stakeholders.
Instructing attorneys to draw up the necessary security - Turnaround - within 1 day from approval of Credit Comment
Review of security documents and providing feedback timeously - Turnaround 2 days
Ensuring continuous follow-ups on pending matters with attorneys
Attending to cancellations and registration of bonds
Processing of ITC and DOS
Ensuring that all necessary Bank fees and legal fees have been passed prior to closure of accounts and ensuring FICA process is followed
Ensure that all special conditions and security are received and credit file updated accordingly, prior to pay-out
Hand over of signed security to Credit Admin timeously - Hand over security within the day to Credit Admin
Ensure Bank fees and Attorney fees are paid
Arrange for new client/account number to be opened and liaison with the Ops team
Arrange for system updates iro renewals, variations (master file changes) and any other amendments for existing facilities
Verify settlement figures to the marketers
Draft debit orders for repayment of facilities and any amendments to debit orders
Attending to queries and providing timeous feedback to co-workers and external clients
Signing off security files - within 1 day of receiving all security.
Verification of reports done by the Analyst
Signing documents required to be signed off on behalf of the Bank i.e. guarantees, consents, offer letters etc emanating from Credit (B signatory)
Sign of payments timeously and provide A signatory with all relevant information to counter approve - Payments to be signed off within half an hour from receipt
Ensure all facilities that are settled are closed timeously, within 2 days of settlement.
Ensuring that electronic folder, hardcopy files are in order and that security files are signed off in respect of allocated portfolio.
Monitoring and update of the Life Cover Policies, Keyman policies which secure the facilities and liaison with insurance brokers, and marketers to ensure that the Bank is adequately insured
Ensuring that new business is accurate and all security captured correctly
Ensuring security values for allocated portfolio is correct
Ensure all codes are captured and verified
Responsibility for the ongoing management and full credit of an existing portfolio lifecycle of the portfolio including implementation, systems, post-implementation monitoring
Ensuring covenants are not breached and taking necessary action where there are breaches
Analysis and Sign Off of management accounts, debtor's age analysis and any other information that is requested by the Bank on a monthly basis.
Responsible for ensuring that required reports are completed accurately and timeously, ie reporting to Executive Committee, CLEC, Board and ICRC
Ad-hoc compilation and verification of reports
Self Development & Team Work*Manage personal development to increase own skills and competencies
Supporting team objective
Building the credit brand and reputation
- Multi-tasking and effective time management.
- Attention to detail whilst under considerable pressure.
- Negotiation with difficult parties.
- Managing relationships at a strategic partner level.
- Ad-hoc projects.
- Maintain historical records for management information purposes.
Qualifications
BCom accounting/Finance
Job Specific Requirements*Strong analytical and problem solving skills
Strong communication skills (written and verbal).
Excellent organizational and time-management skills.
Ability to prioritize tasks.
Proficient in Microsoft Office and Excel
Ethical behavior.
- **3 Years related work expe
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