Credit Analyst

2 weeks ago


Cape Town, Western Cape, South Africa Mayfly Agri (Pty) Ltd Full time

Minimum requirements for the role:

  • Must have a degree in Accounting or Business qualification
  • Minimum 5 years work experience in loan origination/administration will be required
  • Must have financial/accounting skills with the ability to understand and interpret financial statements, historical trends, budgets, projections, management performance, industry and cash flow information.
  • Strong data analyses, excel (pivots, lookups) and administrative skills are important
  • Must have a solid understanding of lending products and practices
  • Excellent written and verbal communication and interpersonal skills are essential
  • Must be fastpaced and deadline driven (sense of urgency) at all times with good planning, organisational and time management skills
  • Preparing, reviewing, and analysing the creditworthiness of all business loan originations and refinances by completing a credit scorecard.
  • Reviewing the financial status of the client by interpreting financial statements and SARS documentation.
  • Engaging with clients (telephonically and written) throughout the loan origination journey.
  • Creating loan quotes and proposals in conjunction with the credit and legal team.
  • Determining loan pricing, repayment mechanisms and terms (in consultation with credit team).
  • Providing professional customer service, through quick turnaround time and effective communication, whilst adhering to the lending guidelines and practices.
  • Contributing to the achievement of monthly business targets.
  • Conducting postclose due diligence to ensure the loan is documented as approved and is in compliance with business/credit rules, relevant regulations, and internal policies and guidelines.
  • Obtaining and filing copies of loan applicants' credit history, corporate financial statements, and other financial information.

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