Credit Analyst

**Position/Vacancy: Credit Analyst (commercial Vehicle Division)**

**Branch: HQ- Isando**

**Job Description**:

- Gathers and analyses loan applicants’ financial data to evaluate risk.
- Assesses credit worthiness of individuals, companies, and institutions.
- Collaborates with other financial experts/ members of credit committee to approve or decline finance.
- Makes recommendations about whether to increase, adjust, extend, or close lines of credit.
- Undertakes risk analysis using regional, sector-specific, environmental and other financial data
- Prepares and presents credit reports.
- Completes quality assurance reviews.
- Aware of market trends
- Monitors and adheres to collateral compliance covenants.
- Ensures that all finance is concluded in adherence with company regulations.
- Analyse data to verify information.
- Helps to update and improve credit rating criteria.
- Communicates credit decisions and policies to fellow employees and credit applicants.
- Oversees or undertakes document preparation and checking.

**REQUIREMENTS**:

- Degree of equivalent qualification in Business, Accounting, Finance, Credit risk
- Minimum 3-5 Years’ previous experience as credit analyst or loan officer preferred
- Basic understanding of accounting
- Strong Software Skills (Microsoft Office)
- Code 08 licence
- Read and write in English.
- Analytical and critical thinking skills
- Confident and proactive approach -anticipates issues and requirements.
- Team Player
- Confident and proactive approach - anticipates issues and requirements.

Closing 5 March 2023