Credit Specialist

4 weeks ago

Cape Town, South Africa Genfin Business Finance Full time

**Who is GENFIN?**

GENFIN is a proudly South African business that enables and supports businesses with flexible funding solutions, allowing them to unlock growth for sustainable success. We understand the needs of businesses and that access to affordable finance is critical for the growth, sustainability, and operation of any business.

We are backed by the GENFIN Holdings Group, an investment company specializing in SME lending in South Africa and the United Kingdom. Other strategic funding partners include RMB and Sanlam Investments.

**Position Overview**

In this position, you will be tasked with striking a delicate balance between managing credit risk and achieving our business growth objectives, ensuring we support deserving businesses while safeguarding the interests of our company.

Meeting and exceeding SLA requirements for exceptional service delivery will be at the forefront of your responsibilities, as we strive to provide the best possible experience to our clients.

**Key Responsibilities**
- Credit assessment_
- Financial Analysis: Conduct financial analysis for large loans, assessing the creditworthiness of applicants by examining financial statements, credit reports, and other relevant data sources.
- Loan origination process_
- Compliance: Ensure strict adherence to the credit policy and credit processes to maintain regulatory compliance and minimize risk exposure.
- Process Optimisation: Continuously evaluate and refine the credit granting processes with a strong emphasis on enhancing efficiency and reducing turnaround times, all while staying within the established credit risk appetite.
- Alignment and Training: Facilitate alignment among reviewers and foster effective communication between reviewers and analysts through thorough quality reviews, constructive feedback, and comprehensive training initiatives. This collaborative approach ensures consistency and accuracy in credit assessments.
- Regular Catch-Up Meetings with the Analyst Lead: Holding regular catch-up meetings with the Analyst team leader to identify training needs focused on enhancing their understanding of financial statements and management accounts.
- Monitoring_
- Portfolio Monitoring: Monitoring the performance of existing loans in the portfolio.
- Monthly Credit Pack: Provide input for the monthly credit reporting, focusing on portfolio quality, delinquencies, and credit risk exposure.
- Defaulted Loan Reviews: Conduct comprehensive reviews of defaulted loans to identify trends and risks that can help improve and refine credit criteria.
- Quality Monitoring: Ensuring diligent quality monitoring of reviews to guarantee compliance with credit policy and processes, maintaining alignment and consistency.
- Onboarding of new Reviewers_
- Training Induction Program: Design and maintain the training induction program tailored for new Reviewers.
- Onboarding and On-the-Job Training: Oversee the onboarding process and provide comprehensive training and continuous on-the-job support for new Reviewers.
- Follow-Up Training: Conduct follow-up training sessions with new Reviewers to ensure adherence to the proper review process and identify any additional training needs before training sign-off.
- Updated Training Manual: Keep the training manual for new Reviewers up to date and ensure that it reflects the latest practices and information.
- Training_
- Monthly Reviewers' Workshops: Contribute to monthly workshops aimed at facilitating knowledge exchange and feedback between the Analyst and Reviewer teams. Providing guidance to ensure adherence to standards will be an essential part of these sessions.
- Continuous Financial Upskilling: Ensuring continuous financial upskilling of team members, both new and existing, is a key priority in your role. This will contribute to a high level of expertise within the team.
- Administrative Functions: Manage all administrative aspects related to training, such as maintaining training registers and updating training manuals, to ensure an organized and effective training process.
- General_
- Training and Development: Stay up-to-date with industry trends, best practices, and emerging technologies in credit risk management, and share knowledge within the team.
- Continuous Improvement: Contribute to ongoing process improvement initiatives, including refining credit scoring models, automating processes, and enhancing data analytics capabilities.
- Collaboration: Collaborate with cross-functional teams, including sales, operations, legal and business development teams to optimize credit processes and enhance overall credit risk management strategies.
- Customer Service: Maintain a customer-centric approach while managing credit-related inquiries and providing support to internal and external stakeholders.

**Skills**
- General:_
- Understanding financial reporting standards and the ability to analyze financial statements, cash flow, and key financial ratios.
- Demonstrating critical thinking an

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