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Credit Analyst

4 weeks ago

Centurion, South Africa Daimler Truck AG Full time

Tasks
- ABOUT USWE MOVE THE WORLD THROUGH SUSTAINABLE AND INTELLIGENT FINANCIAL AND SERVICE SOLUTIONS. As Daimler Truck Financial Services, we are one of the largest financial and mobility services companies in the commercial vehicle industry and a fully integrated division of the globally operating Daimler Truck AG. We simplify our customers' business with a wide range of tailored financing and service solutions and support them on the road to environmentally friendly, autonomous and safe driving. We are active in around 16 markets with more than 1,900 employees. Our colleagues and our value-based culture are key strengths that contribute significantly to our success. At Daimler Truck Financial Services South Africa (DTFS SA), we pride ourselves on our reputation for service excellence and our care in providing flexible, innovative and tailor-made finance and insurance solutions.

Analysis
- Management qualities
- Industry analysis
- Financial analysis which includes ratio analysis with the interpretation of the ratios.
- Security to lower the loan to value risk in transaction.
- Ensure accuracy in customer financial data, including payment history, proof of income, financial analysis with interpretation and bank statements and any other supporting documentation.
- Ensure the credit analysis decision is made within prescribed policies and authority limits.
- Provide input and recommendations on process optimization and system enhancements within the department.
- Compile and analyse profit & loss and balance sheet to conduct sufficient trends and ratio analysis.
- Monitor and manage credit exposure by regularly reviewing and updating credit limits for existing customers.
- Perform periodic credit reviews to identify potential risks or opportunities.
- Create reports for management with viable recommendations for improvement of business operations, efficiencies, and internal controls.
- Coach, mentor, and assist fellow team members to establish a consistent level of quality, accuracy, and compliance to departmental standards and internal controls.
- Consult with management when needed and make recommendations on policy exceptions and control weaknesses to ensure that findings are correct.
- Analyse, summarize, and monitor compliance with credit policies.
- Identify underwriting and funding weaknesses, address areas of non-compliance, and recommend change when necessary.

Stakeholder engagement
- Develop and maintain strong relationships with dealers, sales representatives, clients, internal stakeholders, and credit reporting agencies.
- Engage and input to industry related topics in line with various trends and statistical information.
- Collaborate closely with the sales and finance teams to ensure effective credit management practices and work towards minimizing potential credit losses.
- Resolve queries to ensure delivery of excellent service.
- Ensure effective management of projects.

Transportation Industry
- Analyse and provide inputs to transportation industry policies and procedures.
- Contribute and input to postmortem discussions, system enhancements and the optimization of processes.
- Contribute to updates, monthly portfolio/statistics reviews.

Experience
- Minimum of 6 years relevant experience in:

- Vehicle and asset finance industry
- Financial Services environment
- Credit granting Mandate

Knowledge
- Credit lending principles in Corporate and Commercial Vehicles environment
- Relevant legislation including, but not limited to NCA, FICA, POPIA, etc.
- Development of rating models.
- Knowledge in asset base finance in commercial vehicle industry.

Skills and competencies
- Analytical
- Problem Solving
- Negotiation
- Technical report writing using raw data
- Conflict resolution
- Written and verbal communication
- Microsoft Office skills (PowerPoint, Word, Excel and Access)
- Attention to detail
- Stakeholder and relationship management
- Business acumen
- Critical thinker
- Assertiveness
- Customer service
- Project management
- Ability to work under pressure, multi-task and excel in a fast-paced environment.
- Team player with a pro-active and positive attitude

Other important Information:
Daimler Truck Financial Services South Africa is proud to be an equal opportunity employer. All qualified applicants will be considered; however, the following will apply:

- Foreign nationals must qualify for a work visa/permit as per the provisions of the Immigration Act 13, 2002.
- Employment Equity Plan in terms of the Employment Equity Act, No 58, 1998. Code of good practice on the employment of people with disabilities.

For any queries contact: