Commercial Credit Analyst

3 weeks ago

Cape Town, South Africa Lula Full time

Lula Cape Town, Western Cape, South Africa Lula is hiring a Commercial Credit Analyst . This is an ideal role for an individual starting their career in credit, or a recent graduate, to join our growing fintech business. Your primary focus will be managing our credit underwriting process, which requires strong analytical and financial capabilities while collaborating with internal stakeholders. You'll also get the opportunity to develop your skills by regularly liaising and dealing directly with our customers. Responsibilities Engaging with clients to verify their financial/credit transactions, business performance and request additional information where needed. Evaluating clients’ credit data and financial data in order to determine the degree of risk involved in lending money to them. Preparing notes about the degree of risk in lending money to clients. Analyzing client records and using the data to recommend outcomes. Evaluating the financial status of clients by interpreting financial ratios produced by proprietary program. Helping supply chain and Sales and Marketing departments manage financial orders to help them control credit exposure. Understanding the lending platform in its entirety with special focus on the origination module. Working hand‑in‑hand with the Head of Credit Underwriting and Credit Manager on any issue escalations, ensuring every customer problem is tracked, resolved, and followed up on properly. Proactively identifying and formulating solutions designed to genuinely meet customer needs and strategically satisfy their expressed and underlying requirements. Keeping up-to-date on technology developments and technical issues relevant to the portfolio and the financial services industry. Managing other key operational tasks linked to the monitoring of the portfolio on book on a regular basis. Providing support on ad‑hoc projects as directed by management to meet evolving business needs. The Experience & Skills We’re Looking For A BCom Degree (Finance, Accounting, Economics or equivalent field). Some commercial/SME credit experience. Strong numerical and analytical abilities. Passionate about delivering customer experience above and beyond customer expectations. Excellent problem‑solving skills. Highly organized with strong attention to detail. Excellent influencing skills. Demonstrate resilience and a positive approach when facing challenge. Team‑player who enjoys helping others and is ready to step up. Understand the startup mentality and embrace collaboration. Please note that all appointments are subject to our background checking process, which may include Credit, Criminal and other job inherent checks. ZAR50,000.00-ZAR60,000.00 Referrals increase your chances of interviewing at Lula by 2x Seniority level: Mid‑Senior level Employment type: Full‑time Job function: Finance Industries: Banking and Financial Services #J-18808-Ljbffr

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