Credit Analyst

2 weeks ago

Bellville, Western Cape, South Africa Scholtz and Partners International Full time

Brief description of the vacancy
Loan Admin. Will receive the documents from the clients, make sure everything is there and

request info if needed. This person is the front line on the business. Must do the admin for the

required loan.

Loan origination

  • Preparing, reviewing, and analysing the creditworthiness of all business loan originations and refinances by completing a credit scorecard.
  • Review of 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.
  • Determine 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.
  • Contribute to the achievement of monthly business targets.

Administrative duties
- "Pipeline management" from origination through to close.

  • 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.
  • Deal with refinancing requests.
  • Obtain and file copies of loan applicants' credit history, corporate financial statements, and other financial information.
  • Constantly reviewing and improving the origination and lending process in order maintain highest level of efficiency, and ability to allocate more time to origination and business development.

Experience required
Needs to have experience with accounting and dealing with financial statements.

Qualifications required

  • Accounting or business qualification (will consider comparable experience)
  • 5 years of work experience in loan origination/administration
  • Financial/accounting skills with the ability to understand and interpret financial statements, historical trends, budgets, projections, management performance, industry and cash flow information.

Computer Skills required
Ø Strong analytical skills (data analyses)

Ø Excellent excel skills (pivots, lookups).

Key Responsibilities (KPI's)

Additional Requirements:

Ø Strong analytical skills (data analyses)

Ø Excellent excel skills (pivots, lookups).

Ø Strong administrative skills.

Ø Solid understanding of lending products and practices

Ø Negotiation skills

Ø Strong project management - planning, organisational & time management

Ø Excellent written and verbal communication and interpersonal skills

Ø Extremely well organized with the ability to effectively multi-task and calmly handle diverse workloads while maintaining a positive customer-focused attitude

Ø Deadline driven (sense of urgency) at all times

Ø Problem solving

Ø Customer satisfaction orientation and sales competencies

Ø Ability to work in a goal-oriented environment

Ø Resourceful and the ability to take initiative

Ø Ability to work in a team and support sub-teams

Job Type:
Permanent

Salary:
R38, R40,000.00 per month

Ability to commute/relocate:

  • Bellville,

Western Cape:
Reliably commute or planning to relocate before starting work (required)

Application Deadline: 2023/05/10

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