Credit Analyst

4 days ago


Johannesburg, South Africa Luelle Consulting Full time

**Gauteng**, JHB - Central**

**R500 000 - R750 000 Annually Cost To Company**

**Credit Analyst
- Johannesburg Central**
**R500K - R750K**

**Join a leader in the property/ financial services space today. My client is looking to employ a seasoned credit analyst. The successful incumbent will be responsible for analyzing potential deals and determine lending risk for the company**

**Duties and Responsibilities**:
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- **Customer Relationship and Management**

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- **Analysing and interpreting decision making within Operations by understanding requirements, sourcing, and analysing information, identifying trends, patterns, and risks, and compiling reports and submitting by agreed deadline.**
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- **Serving as a secondary point of contact for all clients within the portfolio.\**
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- **Acting as relationship manager in the office when the Portfolio Manager is not available by receiving calls, addressing queries, and providing feedback internally and externally as required**

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- **Lending and Risk Management**

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- **Preparing the financial and credit interpretation (ratios, trends etc) sections of the Loan Proposals for circulation to Manco by collecting information, analyzing financial information, completing the sections, checking accuracy and completeness and finalizing weekly and as required**
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- **Analyzing financial health of clients (e.g., debtors lists, management accounts, cash flow budgets, AFS etc.) by receiving documentation, reviewing performance in line with key metrics, identifying areas of concern and potential risk and provide feedback to the Portfolio Manager monthly and as required**
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- **Managing the preparation of amendment to loan proposals and conditions of approval by receiving instruction, amending documentation, submitting for approval, and distributing as required**
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- **Assessing risk and validating changes to loan terms and conditions by understanding the purpose and context, analyzing the impact, providing recommendations, and drafting necessary inputs as required**
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- **Reviewing pre-registration documents to assessing compliance by understanding the loan conditions, collecting, and collating the necessary documentation and submitting the file to the relevant parties for processing as required Interpret and analyze client’s business and financial information by receiving all information, conducting first level analysis according to company Credit Policy.**
***

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**Qualification and Experience**

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- **NQF 7 or in Finance or Commerce related fields is required**
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- **5 years’ experience in the financial services sector**
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- **8 - 10 years working experience in financial or related fields is required**
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**APPLY NOW.**

**Please note the above is the minimum criteria to be considered for the position - If you do not meet the criteria, you will not be shortlisted.**
- For more information please contact:
**Lebogang Mmitsi


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