Credit Analyst

6 months ago

Durban, South Africa Armstrong Appointments Full time

Durban, Kwa Zulu Natal
- Posted 6 hours ago

**Main job function**
**CORE PURPOSE OF THE JOB**

**MAIN FUNCTIONS OF THE JOB INCLUDE**:

- Senior Management Credit Committee / Management Credit Committee - Vetting of Applications &
Review of valuation templates
- Process, extract and analyze information from the Credit Lens System with the focus being to ensure that the capture is correct to obtain a pertinent rating.
- Reviewing response to queries memos, to determine if all queries were adequately responded to.
- Reviewing residential property valuations and valuation review templates to determine whether the property is an adequate form of collateral.
- Identifying any risk areas and admin issues on the valuation review template.
- Executive Credit committee - minutes
- Attend trade ECC on a rotational basis to review that the minutes of the meeting which has been documented by the secretary.
- Administration of Quarterly BCC & BOD Meetings
- Preparation of Board Credit Committee submissions on a quarterly basis.
- Internal & External Auditors
- Internal auditors - Liaising with internal auditors for information requests.
- External auditors - Overseeing requests for quarterly information.
- ABG Audit - Preparation & compilation of submissions as requested by ABG annually, Liaising with ABG Auditors regarding information provided to them and attending to all other queries relating to the audit.
- Following up with respective branches for audit queries.

Overseeing items on Audit Control Issues Log for implementation and auctioning
- Financial Sector Charter (FSC)
- Preparation and compilation of information required for Empowerment Finance element of FSC. (This information contributes to the Bank obtaining its BEE status.)
- Attending meetings as and when required by the FSC project team representing the Credit department.
- Liaising with auditors for any queries / interpretation issues regarding the FSC scoring.
- Credit Policies and Procedures
- Creation, review and enhancement of Credit policies when required for approval by the BCC / BOD
- Other Functions / General
- Completion of various admin / operational related tasks allocated within the department from time to time (Meeting Attendance, iMal Excesses & Block Off’s, Imal System Flagging / Updates, etc.)
- Verify that information submitted to HLAMDA is correct and in line with supporting documentation.
- Analysis of the Debtors book to ensure data integrity.
- Bi-annual submissions to ECC, providing updates on the status of book debts.
- Reconciliation & maintenance of the Forward Exchange Contracts, managed on SharePoint.
- Other Ad Hoc tasks & requests by management.
- Credit Awareness Sessions
- Conducting and presenting Credit awareness sessions regularly which involves communication of amended Credit regulations and internal policies and procedures and items raised by ECC to all Sales and Credit staff across the branch network.
- Preparation of powerpoint presentations for credit awareness sessions /competency mastery sessions or other training initiatives as per guidance of credit manager

**QUALIFICATIONS**
- A Bachelor of Commerce degree in Accounting or Finance

PREFERRED EXPERIENCE
- At least 2 years’ experience in the Banking industry, specifically with Credit / Accounting experience.

**KNOWLEDGE**
- iMal
- MS Office
- Credit Lens System
- Credit policies and procedures.
- All Credit related legislation
- National Credit Act
- BEE123 system

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