Credit Analyst

**Job Description**:
CREDIT ANALYST

The key characteristic challenge in this role is to assist the Credit Risk Manager to manage risks through a combination of routine & pro-active checks on individual credits and the portfolio as a whole.

Key Responsibilities:
Meet KPIs related to review of proposals, reporting and other performance standards.

Liaise with the Branches to recommend structural enhancements with regard to credit risk proposals.

Highlighting any shortfall or dilution in collateral value to the credit process chain.

Documentation of proposal related information to be in conformity with requirements as set out internally

Maintain physical and electronic documentation of all proposal related information

Review of existing client exposures, active monitoring of key clients/large exposures and exposures to specific products

Review frameworks for assessment of different types of lending transactions.

Check monthly/quarterly portfolio review reports.

Monitoring of facilities implemented, deposits under lien in the account, revision in limits & adherence to terms and conditions of approval.

Closely monitoring market fluctuations affecting collateral held against credit facilities.

Recording of results of any re-valuations of collateral and in case of a shortfall the credit must be submitted for immediate review to concerned authorities.

Checking and Preparation of quarterly reports on work monitor/ risk rating for dispatch to head office.

Undertake specific projects/assignments from time to time as directed by the line manager.

Job Competencies -Technical

An in-depth level of understanding and analysis of financial statements

Be proactive in problem solving and deadline orientated

Sound understanding of the SA market for SME lending & Trade Finance

Proficiency in the use of Excel spread-sheets, Word Documents and PowerPoint

The ability to work in a time constrained situations and cross-cultural environment

Job Competencies -Behavioural

Sound verbal and written skills with highly developed presentational and business writing skills

Commitment and flexibility

Team player with an eye for attention to details & Ability to organise, prioritise and multi-task

Confident in interacting frequently across all business areas and with senior management

Sound interpersonal and relationship management skills, and have the capability to demonstrate good commercial judgement

**Requirements**:
Bachelor’s Degree with majors in accounting and auditing/ Post-Graduate Degree is preferred

Approachable and polite, excellent communication skills, attention to detail, providing accurate information, deadline driven and client service orientated.

Minimum of 3 years’ credit experience within a banking organization would be an advantage

**Skills**:
Financial Statements, Visio, Compliance, Excel, Listening, Powerpoint, Conflict Resolution