Credit Analyst

3 weeks ago


Cape Town, South Africa Mayfly Agri (Pty) Ltd Full time

**Minimum requirements for the role**:

- Must have a degree in Accounting or Business qualification
- Minimum 5 years work experience in loan origination/administration will be required
- Must have financial/accounting skills with the ability to understand and interpret financial statements, historical trends, budgets, projections, management performance, industry and cash flow information.
- Strong data analyses, excel (pivots, lookups) and administrative skills are important
- Must have a solid understanding of lending products and practices
- Excellent written and verbal communication and interpersonal skills are essential
- Must be fast-paced and deadline driven (sense of urgency) at all times with good planning, organisational and time management skills
- Preparing, reviewing, and analysing the creditworthiness of all business loan originations and refinances by completing a credit scorecard.
- Reviewing 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.
- Determining loan pricing, repayment mechanisms and terms (in consultation with credit team).
- Providing professional customer service, through quick turn-around time and effective communication, whilst adhering to the lending guidelines and practices.
- Contributing to the achievement of monthly business targets.
- Conducting 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.
- Obtaining and filing copies of loan applicants' credit history, corporate financial statements, and other financial information.


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