Credit Analyst

Yebo Fresh is an award-winning online grocery platform focusing on South Africa’s mass market. Our unique business model and partnerships with manufacturers allow us to deliver an unbeatable offer at an extremely competitive price point.

We serve families, NGO’s, Schools, ECDs, and township food businesses such as Spazas and fast food restaurants.

For the customer, using Yebo Fresh means avoiding the hassle, cost and risk of overcrowded and/or expensive transport, long queues, and carrying heavy bulk goods.

For FMCGs, working with Yebo Fresh means direct access into the mass market and a great partnership for direct deliveries, customer insights, product testing, POS marketing etc.

Now Hiring: Credit Analyst

Key Role Responsibilities and Duties
- Gathers and analyzes loan applicants’ financial data to evaluate credit risk.
- Integral role in assisting in the development of the credit processes project and input into the development of a Credit Policy
- Assesses creditworthiness of individuals and companies.
- Identify, categorise and monitor credit portfolio risk, and provide inputs into mitigation steps, including collections
- Manage credit reporting and accounting processes, working closely with our Accounts and Debtors team.
- Collaborates with other financial experts to approve or deny loans.
- Makes recommendations about whether to increase, adjust, extend, or close lines of credit.
- Undertakes risk analysis using regional, sector-specific, environmental, and other financial data.
- Prepares and presents credit reports.
- Completes quality assurance reviews.
- Gauges market trends.
- Monitors and adheres to collateral compliance covenants.
- Ensures that all loans are made in adherence with regulations (NCA).
- Analyzes data to verify information and uncover fraud.
- Helps to update and improve credit rating criteria.
- Authors documents on credit risk and related financial matters.
- Communicates credit decisions and policies to fellow employees and credit applicants.
- Oversees or undertakes document preparation.
Skills needed to fulfill the role:

- Knowledge of commercial credit products, market trends, and/or loan procedures.
- Knowledge of or exposure to credit models, including impairment provisioning.
- Attention to detail.
- Analytical and critical thinking skills.
- Quantitative skills.
- Strong time management and multitasking skills.
- Strong communication skills.
- Project management.
- Ability to research financial topics and present accessible reports on that research to colleagues with differing areas of expertise.
- Adept at high-stakes decision making and negotiation.
- Strong interpersonal and customer service skills, including the ability to form and maintain client and business relationships.
- Business acumen.
- Discretion and a dedication to protecting the financial privacy of clients, business partners, and employer.
Education, Experience & Licencing Requirements:

- Bachelor’s degree in business, accounting, economics, or finance, master’s degree a plus.
- CA(SA) preferred.
- Previous experience 2 years + as a credit analyst preferably at a commercial financial institution.
- Experience using spreadsheet software.
- Clear understanding of credit processes, accounting, statistics, and economics.
Personal Responsibilities

Every employee is expected to conduct themself according to the Yebo Fresh ways of working. This include (but are not limited to):

- We care - for the customer, for each other and for the communities that we serve.
- We give 100% - showing up on time, being present, going the extra mile
- We make opportunities: we are entrepreneurs, we see possibilities and realise them, even when challenging
- We get better every daytogether - we strive for continuous improvement, accept that we may make mistakes and learn, and work as a team to grow as individuals and as a company

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

**Salary**: R30,000.00 - R35,000.00 per month

**Education**:

- Bachelors (required)
**Experience**:

- credit analyst at a commercial financial institution.: 2 years (required)