Credit / Loans Officer

7 months ago

Cape Town, South Africa Job Crystal Full time

**DUTIES AND RESPONSIBILITIES**
- Responsible for full credit assessment of applicants
- Responsible for completing all necessary credit and reference checks as required by the product type
- Responsible for achieving performance targets and maintaining performance standards within the turn-around times agreed with stakeholders within the business
- Responsible for meeting internal SLA’s stipulated per product and partner while managing accuracy, completeness and turn-around times for deals
- Will be required to underwrite and finalize deals within designated mandate
- Prepare necessary documentation required by the Underwriting Manager to be used in Risk and Decline Appeal meetings
- Fulfil any task as requested by Team Leader to ensure SLA’s are met with stakeholders within the business.

**REQUIREMENTS**
- A minimum of 3 - 5 years of underwriting and analysis experience
- Proven credit risk and or credit underwriting experience within the Financial services industry
- Minimum qualifications: Matric certificate and equivalent Advanced Certificates and/or Diploma in business/finance/accounting
- Proven computer skills and experience with CRM systems essential
- Proven MS Office skills, most importantly advanced Excel
- Experience in a pressurized, fast paced, and ever-changing environment
- Exceptional organizational and analytical skills, with attention to detail
- Ability to achieve in line with performance targets and maintain performance standards within strict turn-around times.

Skills & Competencies:

- High level understanding and experience of credit risk underwriting
- Will rely heavily on analytical thinking, attention to detail, financial acumen and ethics during the credit evaluation process
- Ability to analyze bank statement data
- Ability to work under pressure and know how to prioritize tasks
- Ability to follow standard operating procedures to ensure consistent decision-making
- Ability to summarize findings in a concise and clear manner
- Ability to highlight areas of concern which can affect the decision-making process
- Very organized with the ability to prioritize tasks to meet deadlines
- Must be flexible with an open mind to find solutions to overcome challenges
- Ability to multitask while working under pressure
- Methodical approach to work with a ‘can do’ attitude
- Self-motivated and passionate about motivation within the team
- Good communication skills - written and verbal; comfortable sharing information with both colleagues and senior personnel
- Target and outcome driven

**Salary**: R23 000,00 - R25 000,00 per month

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