Junior Credit Analyst

1 week ago


Centurion, South Africa Watershed Consulting Full time

Job Description Position: Junior Credit Analyst – Officer: Branch Credit Location: Centurion, South Africa Key Responsibilities Credit Proposal Preparation Conduct needs analysis, ITC and CIPC vetting, financial analysis, affordability calculations, and industry analysis. Perform qualitative and quantitative research. Ensure all client information is accurate and up to date. Communicate with clients regarding queries or clarifications. Draft detailed write-ups to motivate requests and submit for approval. Credit Query Management & Administration Process and maintain credit files and branch memos, including follow-ups for company financials. Manage supporting documentation such as rate clearance certificates, valuation reports, and financial ratings. Respond to queries related to the credit department. Monitor clients in excess of limits or with overdue accounts and ensure approvals/notifications are in place. Ensure compliance with all conditions: insurance policies current, valuations up to date, rate statements accurate, security documents complete and all special conditions met. Manage issuance of guarantees, bank audit confirmations, negotiations, and client queries. Ensure proper record-keeping in line with the bank’s policies. Undertake specific ad-hoc projects/assignments as directed by line manager. Qualifications, Experience & Attributes Relevant bachelor’s degree (e.g., BCom, BCom Honours in Banking). Minimum 5 years’ banking experience, with specialization in credit. Strong financial analysis and credit assessment skills. Proven ability to complete activities accurately, within deadlines, and in compliance with internal processes and procedures. Excellent relationship-building and client communication skills. Strong organizational skills with high attention to detail. #J-18808-Ljbffr



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