Credit Analyst

1 month ago

Cape Town, South Africa Precision Placements Full time

**CREDIT ANALYST - CAPE TOWN**

**CORE PURPOSE OF THE JOB**
To provide for the preparation of Credit proposals required by the Executive Credit Committee, encompassing the analysis of client’s financial position and/or other key risk factors in order to determine whether or not Finance can be extended for assets and/or trade.

**KEY PERFORMANCE AREAS**
**Credit Proposals**
- Interpret and analyse financial statements and management accounts in order to assess financial performance of applicants as well as guarantor entities which includes preparation of Income Statement, Balance sheet spread and consolidation of Information where applicable
- Analysis of Value Added Tax (Vat) returns and book debts
- Research market trends, perform qualitative reviews, Corporate ratings and determines affordability of repayments
- Obtains information on clients’ background, nature of business, location, Management, customer and supplier information
- Obtains FICA documents from clients
- Obtains conditions relating to finance approvals from clients
- Creates a SWOT analysis in order to identify risks associated with clients thus highlighting the banks awareness to potential hazards, Identifies risks with respect to client and/or Industry and mitigating factors.
- Responds to queries made by various committees relating to the proposal as and when required
- Prepares Executive summaries for Board Credit Committee (BCC) and Board of Directors(BOD) submissions
- Value added / innovation / risk assessment incorporated in credit reports

**Analysis of Book Debts**
- Conducts analysis of book debts on a quarterly basis for clients, whose cession of book debts are held as security which entails liaising with clients to determine recoverability of book debt balances that are outstanding
- Prepares book debt pack schedules which entails security values for each client and risk rating on a monthly basis
- Liaise with clients with regards to book debt queries and responds to queries on the analysis raised by the committee

**Trade Review**
- Maintains and updates trade review lists and registers for all trade and revolving asset facilities by updating various fields including but not limited to: review dates, level of facilities, ECCM approval dates, date review letter submitted etc.

**Review Letters**
- Prepares trade review letters requesting financial information from clients and/or the clients accountants for annual trade reviews
- Follows up on receipt of letters and submission of information on an ongoing basis

**General**
Follows up on financial information to be provided and queries raised with clients

**Preferred Qualifications**
A degree or relevant qualifications in Finance/Accounting will be required in order to meet the requirements of the role at the highest level of competence

**PREFERRED EXPERIENCE**

Minimum of 2- 3 years’ experience in the Finance/Accounting Environment

**Job Types**: Full-time, Permanent

**Job Types**: Full-time, Permanent

**Education**:

- Diploma (required)

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