Commercial Credit Analyst

3 weeks ago

Cape Town, South Africa Lula Full time

Commercial Credit Analyst Location: Lula Cape Town, Western Cape, South Africa Overall Purpose 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 to determine the degree of risk involved in lending money to them Preparing notes about the degree of risk in lending money to clients Analysing client records and using the data to recommend outcomes Evaluating the financial status of clients by interpreting financial ratios produced by proprietary programs Helping supply chain and Sales and Marketing departments manage financial orders to 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 monitoring the portfolio on book on a regular basis. Providing support on ad‑hoc projects as directed by management to meet evolving business needs. Experience & Skills BCom Degree (Finance, Accounting, Economics or equivalent field). Ideally, some commercial/SME credit experience. Strong numerical and analytical abilities. Passionate about delivering customer experience above and beyond expectations. Excellent problem‑solving skills. Highly organised with strong attention to detail. Excellent influencing skills. Demonstrate resilience and a positive approach when facing challenges. Fun‑loving team‑player who enjoys helping others and will gladly step up to assist even when busy. Understanding of the start‑up mentality and embrace the fact that we’re all in this together; ready to be flexible, adaptable, and contribute wherever needed. Please note that all appointments are subject to our background checking process, which may include Credit, Criminal and other inherent checks. Seniority Level Entry level Employment Type Full‑time Job Function Finance and Sales Industries Banking #J-18808-Ljbffr

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