Credit Analyst

7 months ago

Cape Town, South Africa Genfin Business Finance Full time

**Who is GENFIN?**

GENFIN is a proudly South African business that enables and supports businesses with flexible funding solutions, allowing them to unlock growth for sustainable success. We understand the needs of businesses and that access to affordable finance is critical for the growth, sustainability, and operation of any business.

We are backed by the GENFIN Holdings Group, an investment company specializing in SME lending in South Africa and the United Kingdom.

**Position Overview**

As a Business Funding Analyst, you will be responsible for:

- Customer service/interaction throughout the loan value chain
- Compliance

**Key Responsibilities**
- Preparing, reviewing, and analysing the creditworthiness of all business loan originations and refinances by completing a credit scorecard
- Review the financial status of the client by interpreting financial statements and SARS documentation
- Engaging with clients (telephonically and written) throughout the loan origination journey
- Creating loan quotes and proposals in conjunction with the credit and legal team
- Determine loan pricing, repayment mechanisms, and terms (in consultation with the credit team)
- Providing professional customer service, through quick turn-around time and effective communication, whilst adhering to the lending guidelines and practices. Contribute to the achievement of monthly business targets
- “Pipeline management” from origination through to close
- Post-close due diligence to ensure the loan is documented as approved and is in compliance with business/credit rules, relevant regulations, and internal policies and guidelines
- Deal with refinancing requests
- Obtain and file copies of loan applicants’ credit history, corporate financial statements, and other financial information
- Constantly reviewing and improving the origination and lending process in order to maintain the highest level of efficiency, and ability to allocate more time to the origination and business development.

**Skills**
- Strong analytical skills (data analyses)
- Excellent excel skills (pivots, lookups)
- Strong administrative skills
- Solid understanding of lending products and practices
- Negotiation skills
- Strong project management - planning, organisational & time management
- Excellent written and verbal communication and interpersonal skills
- Extremely well organized with the ability to effectively multi-task and calmly handle diverse workloads while maintaining a positive customer-focused attitude
- Deadline-driven (sense of urgency)
- Problem-solving
- Customer satisfaction orientation and sales competencies
- Ability to work in a goal-oriented environment
- Resourceful and the ability to take initiative
- Ability to work in a team and support sub-teams

**Requirements**:

- Accounting or business qualification (will consider comparable experience)
- 5 years of work experience in loan origination/administration
- Financial/accounting skills with the ability to understand and interpret financial statements, historical trends, budgets, projections, management performance, industry, and cash flow information

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

Application Question(s):

- Please provide your current remuneration (including benefits).

**Experience**:

- reviewing financial statements: 1 year (required)

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