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Credit Analyst: SME Funding

3 months ago

Midrand, South Africa Network Recruitment Full time
The Credit Analyst will be responsible for:
  • Implement loan origination strategies with the lending team
  • Review and recommend credit applications and transactions within assigned credit limits in a timely manner
  • Provide independent, objective reviews and recommendations to credit applications and other matters which have been agreed to and/or recommended by the Loan Officers
  • Review all loan applications and sign off prior to submission to senior management, to ensure the completion of due diligence and adherence to the companys policies and guidelines
  • Provide motivation for recommendations on credit transactions/applications and communicate effectively with Loan Officers to ensure rationale and decisions are clearly understood
  • Write succinct credit memos or credit announcements to communicate credit perspective and rationale for new credits and credit extensions
  • Communicate with Loan Officers about specific credit applications and transactions to seek further information and modifications, if needed. Discuss appropriate structuring for the deal and criteria required for approval. Ensure that all information is credible, accurate, and relevant, including analysis and evaluation of the technical aspects (e.g., financial analysis, credit terms, structure, and collateral)
  • Review approval letters and loan agreements to ensure credit terms and conditions are recorded
  • Review and recommend disbursements according to policies and guidelines to ensure lending conditions are met
  • Support the healthy and sustainable growth of a profitable loan portfolio by ensuring credit granting and its implementation are within the companys prescribed asset quality standards
  • Maintain records of loan applications
  • Weekly, monthly, quarterly, semi-annually and annual reporting to senior management on lending activities
  • Prepare reports for Board and external stakeholders

Job Experience & Skills Required:
  • Bachelors Degree or Diploma in business or a related field
  • Minimum 5 years SME lending experience is required
  • Additional SME support services experience is considered advantageous
  • Analytical skills and attention to details
  • Problem-solving capabilities and excellent organizational and time management skills
  • Proficiency with MS Office Suite of products