Junior Credit Analyst

3 weeks ago


Sandton, South Africa Core Group Full time

iStore is the home of everything Apple, and Africa’s largest Apple Premium Reseller. With a retail footprint of more than 33 physical and online stores across Africa that provide expert advice, Apple Authorised Repairs, Business, Education, training and technical support for anything and everything Apple.

**Purpose**: To provide credit analysis of the current and forecast financial strength of a portfolio of Business to Customer and Business to Business clients with the aim to identify portfolio related credit risks

**What We Offer -**
- Exceptional growth opportunity within an Entrepreneurial Business Unit
- Join a diverse team of passionate individuals and work with the world's top brands every day
- Fun and challenging environment that promises to expand and grow your skill set

**Responsibilities**:

- Analyse credit data to assess the creditworthiness of borrowers
- Conduct credit reviews and credit approvals
- Remain objective and present both arguments and pros and cons
- Manage customer databases and lending limits
- Prepare reports and presentations for senior management
- Develop and implement credit risk strategies and policies
- Collaborate with internal teams to ensure compliance with credit risk policies and procedures
- Suggest risk mitigating measures for our consumer finance products in line with the risk philosophy of the Company

**Behavioural Competencies**
- Build and maintain professional working relationships with all stakeholders, displaying excellent abilities to initiate dialogue, listen, advise, influence and negotiate to achieve win-win outcomes
- Preserves relationships despite airing conflicting views and seeks mutual gains when addressing conflicts
- Anticipates consequences and adapts problem solving based on continual feedback
- Act speedily to resolve problems, queries and complaints

**Qualifications & Experience**:

- Ideally Bachelor’s degree in Finance, Economics or related field
- Minimum 3 year’s experience as a credit analyst in retail/banking environment
- Strong analytical and problem-solving skills
- Detail-oriented and able to work independently


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