Credit Risk Trainee

7 months ago

Centurion, South Africa Momentum Life Full time

**Introduction**

Through our client-facing brands Metropolitan and Momentum, with Momentum Multiply (our wellness and lifestyle rewards programme), and our other specialist brands, including Guardrisk and Eris Property Group, the group enables business and people from all walks of life to achieve their financial goals and life aspirations.

**Role Purpose**

To identify, mitigate and manage sales credit risk. Provide insights and recommendations to Channel Management.

**Requirements**:

- Grade 12 or equivalent qualification
- A related tertiary qualification - or studying towards (BCom; Risk Management or LLB
- A minimum of 2 years’ related experience in the financial services industry
- Knowledge of Momentum Life Credit risk processes essential.

**Duties & Responsibilities**

**Credit Risk Monitoring
- Conduct sales credit risk assessments (on-boarding, credit risk re-evaluations and continuous monitoring)
- Provide Channel Management with recommendations pertaining to associated risks when contracting with intermediaries i.e., Fit and Proper Status; Financial Standing; Performance etc.
- Provide Channel Management with recommendations pertaining to proactive management of risk levels.
- Perform credit and industry checks on sales parties.
- Conduct data analysis and provide insights on risk mitigating and managing sales credit risk.
- Monitor and make proactive recommendations on credit risk levels.
- Monitor and drive debt recovery of all in service contracts.

**CLIENT**
- Build and maintain relationships.
- Participate and contribute to a culture that builds rewarding relationships, facilitates feedback and provides exceptional client service.
- Deliver on service level agreements made with clients and internal and external stakeholders to ensure that client expectations are managed.

**PEOPLE**
- Develop and maintain productive and collaborative working relationships with peers and stakeholders.
- Positively influence and participate in change initiatives.
- Contribute to continuous innovation through the development, sharing and implementation of new ideas.
- Managing own performance and development
- Living the MMI values and vital behaviours
- Develop own expertise in terms of professional, industry and legislative and regulatory knowledge.

**FINANCE**
- Identify opportunities to enhance cost effectiveness and increase operational efficiency.
- Manage financial and other company resources under your control with due respect.
- Provide input into the risk identification processes and communicate recommendations in the appropriate forum.

**Competencies**
- Documenting Facts
- Team Working
- Managing Tasks
- Interacting with People
- Embracing Change
- Adhering to principles and values
- Checking Things
- Presenting and communicating information
- Coping with pressure

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