Credit Lending Analyst

4 weeks ago

Sandton, South Africa Discovery Ltd. Full time

**Business Unit**:Discovery Bank**Function**:Risk Management**Date**:01-Mar-2023**About Discovery**
- Discovery’s core purpose is to make people healthier and to enhance and protect their lives. We seek out and invest in exceptional individuals who understand and support our core purpose, and whose own values align with those of Discovery. Our fast-paced and dynamic environment enables smart, self-driven people to be their best. As global thought leaders, Discovery is passionate about innovating in order to not only achieve financial success, but to ignite positive and meaningful change within our society.**About Discovery Bank**
- We are the world's first behavioural bank, designed with our clients in mind. We haven't changed just one thing; we've changed everything, and our main goal is to help people improve their financial health. If you are a problem solver, always questioning the way things are done, passionate about doing what is right, have the ability to change direction quickly when needed and / or love to dazzle your clients, Discovery Bank, has a job where you can be yourself and your best in an environment that is safe and nurturing.**Job Purpose**
- The-
**Areas of responsibility may include but not limited to**
- Performs the role aligned to the credit risk policy and the credit standard.
- Evaluates, reviews and assess clients credit data and financial statements in order to determine the degree of risk involved in lending money.
- Determines the risk of default to the bank by assessing credit history, repayment history and credit scoring and infusion of third-party data.
- Assists in continuous improvements of the credit lending processes to ensure the best customer experience within a digital banking environment.
- Assists in making recommendations about procedural and or policy changes for the digital banking environment.
- Interlinks with all stakeholders in relation to disputes, enquiries, escalations, and referrals to ensure all cases are addressed with TAT
- Manages exceptions and deviations from the bank risk framework.
- Works within the mandates and credit limits approved by the bank to ensure proper credit sanctioning
- Facilitates credit administration to ensure applicants are addressed.
- Data analysis and ability to prepare reports.
- User acceptance testing.

**Skills**
- Required:
- Credit and risk knowledge, including ratings and methodologies.
- Ability to identify, quantify and mitigate identified credit risk.
- Knowledge of National Credit Act.
- Knowledge of Financial Intelligence Act.
- Knowledge of Consumer Protection Act.
- Knowledge of Protection of Personal Information Act.
- Knowledge of industry and market trends.
- Knowledge of the Banking Act.
- Financial analysis.
- Report writing and compilation.
- Preferred:
- Understanding of the full credit value chain.
- Credit and lending skills and knowledge to be able to structure correctly.
- Understanding the bank credit policy
- Credit principles, policies and processes

**Qualifications**
- Required: A Bachelor’s degree related to finance or equivalent
- Preferred: A related credit lending qualification in a banking environment

**Experience**

Required:

- At least 3 to 5 years’ experience in credit assessing.
- Data analysis and the ability to write reports.

Preferred:

- At least 3 years’ experience in a customer interaction environment.
- Leadership experience.
- EMPLOYMENT EQUITY
The Company’s approved Employment Equity Plan and Targets will be considered as part of the recruitment process. As an Equal Opportunities employer, we actively encourage and welcome people with various disabilities to apply.

  • Senior Manager: Credit Wealth

    1 month ago

    Sandton, South Africa Absa Bank Limited Full time

    Bring your possibility to life! Define your career with us - With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.Job Summary To...

  • Credit Risk Analyst

    1 month ago

    Sandton, South Africa Kencorp Executive Search Full time

    **Responsibilities** *** - Post lending management, monitoring progress of developments, reporting on bilateral, syndication and other credit related business. - Actively engage with and present reports to Credit Review Committee and Head Office as required. - Promotion of strategies for credit business development, green finance strategies and other risk...

  • Senior Credit Analyst

    1 month ago

    Sandton, South Africa Palesa Mbali Group Full time

    **Job Title** Senior Credit Analyst **Job Purpose** To manage and maintain risk adjusted pricing and risk ratings in terms of Basel requirements as well as enable value-based management and continued implementation of the Internal Ratings Based Approach within investment banking. **Responsibilities**: - Interpret Financial results based on the annual...

  • Senior Credit Analyst

    1 month ago

    Sandton, South Africa Absa Bank Limited Full time

    Bring your possibility to life! Define your career with us - With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.Job Summary **Job...

  • Senior Credit Analyst

    1 month ago

    Sandton, South Africa Palesa Mbali Group Full time

    Job TitleSenior Credit AnalystJob PurposeTo manage and maintain risk adjusted pricing and risk ratings in terms of Basel requirements as well as enable value-based management and continued implementation of the Internal Ratings Based Approach within investment banking.Job Responsibilities• Interpret Financial results based on the annual financial...

  • Senior Credit Analyst

    1 month ago

    Sandton, South Africa Palesa Mbali Group Full time

    Job TitleSenior Credit AnalystJob PurposeTo manage and maintain risk adjusted pricing and risk ratings in terms of Basel requirements as well as enable value-based management and continued implementation of the Internal Ratings Based Approach within investment banking.Job Responsibilities• Interpret Financial results based on the annual financial...

  • Senior Credit Analyst

    4 weeks ago

    Sandton, South Africa Hire Resolve Full time

    Hire Resolve's client, a leading investment firm in Johannesburg, is seeking a highly skilled and experienced Senior Credit Analyst to join their team. As a Senior Credit Analyst, you will be responsible for assessing the creditworthiness of companies and evaluating investment opportunities. You will play a critical role in making informed investment...

  • Corporate Credit Manager

    1 month ago

    Sandton, South Africa Kencorp Executive Search Full time

    **Responsibilities** *** - Post lending management, monitoring progress of developments, reporting on bilateral, syndication and other credit related business. - Actively engage with and present reports to Credit Review Committee and Head Office as required. - Promotion of strategies for credit business development, green finance strategies and other risk...

  • Senior Quantitative Analyst

    1 month ago

    Sandton, South Africa Think-Career RPO Full time

    Purpose of the role Monitoring of the end-to-end credit lifecycle across lending products for Retail and Relationship Banking and Rest of Africa, to provide oversight and optimise the quality of the credit portfolio. Job Responsibilities Provide support to the Senior Manager of the Unit with regards to the critical monitoring, analysis, organization of and...

  • Credit Data Analyst

    3 weeks ago

    Sandton, South Africa Armstrong Appointments Full time

    PURPOSE/MAIN JOB FUNCTION Our client is looking for an experienced Credit Data Analyst who: has strong data analytics capabilities, pays attention to detail, delivers work of a high quality, can process, manipulate, and transform large volumes of data (1million+), perform extensive analysis on data and produce summary results in a visual format to...

  • Credit Data Analyst

    1 month ago

    Sandton, South Africa Armstrong Appointments Full time

    PURPOSE/MAIN JOB FUNCTION Our client is looking for an experienced Credit Data Analyst who:has strong data analytics capabilities,pays attention to detail,delivers work of a high quality,can process, manipulate, and transform large volumes of data (1million+),perform extensive analysis on data and produce summary results in a visual format to ultimately tell...

  • Junior Credit Manager

    3 weeks ago

    Sandton, South Africa Staff Solutions Recruitment Full time

    Duties:Classifying commercial vehicle dealers based on business scale and risk status.Implementing tailored marketing strategies.Identifying and mitigating customer risks during contract signings or visits.Conducting prompt asset preservation activities for overdue loans.Analyzing financial reports of corporate customers and assessing repayment ability,...

  • Junior Credit Manager

    3 weeks ago

    Sandton, South Africa Staff Solutions Recruitment Full time

    Duties: Classifying commercial vehicle dealers based on business scale and risk status. Implementing tailored marketing strategies. Identifying and mitigating customer risks during contract signings or visits. Conducting prompt asset preservation activities for overdue loans. Analyzing financial reports of corporate customers and assessing repayment ability,...

  • Junior Credit Manager

    3 weeks ago

    Sandton, South Africa Adzuna ZA B C2 Full time

    Duties:Classifying commercial vehicle dealers based on business scale and risk status.Implementing tailored marketing strategies.Identifying and mitigating customer risks during contract signings or visits.Conducting prompt asset preservation activities for overdue loans.Analyzing financial reports of corporate customers and assessing repayment ability,...

  • Environmental and Social Credit Risk Manager

    1 month ago

    Sandton, South Africa Absa Bank Limited Full time

    Bring your possibility to life! Define your career with us - With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.Job Summary To...

  • Head: Credit Risk

    1 month ago

    Sandton, South Africa Absa Bank Limited Full time

    Bring your possibility to life! Define your career with us - With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.Job Summary To...

  • Model Development Analyst

    1 month ago

    Sandton, South Africa Absa Bank Limited Full time

    Bring your possibility to life! Define your career with us - With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.Job Summary Manage...

  • Model Development Analyst

    1 month ago

    Sandton, South Africa Absa Bank Limited Full time

    Bring your possibility to life! Define your career with us - With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.Job Summary Manage...

  • Senior Credit Analyst: Cpf

    1 month ago

    Sandton, South Africa Absa Bank Limited Full time

    Bring your possibility to life! Define your career with us - With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.Job Summary To...

  • Fraud Analyst

    1 month ago

    Sandton, South Africa linkdpro Full time

    Fraud Analyst Our client in the Financial Services industry is looking for an experienced, dynamic and adaptable Fraud Analyst to join their team on a 6-month contract. - Prevent and reduce financial losses by ensuring optimal adherence to processes and procedures - Assisting with queries - Provide and track recommendations for actions to reduce the client...