Credit Risk Specialist

1 month ago

Bellville, Western Cape, South Africa Scholtz Partners International Full time
Job Title: Credit Specialist

At Scholtz Partners International, we are seeking a highly skilled Credit Specialist to join our team. As a Credit Specialist, you will play a critical role in evaluating and assessing the creditworthiness of businesses seeking loans.

Key Responsibilities:
  • Credit Assessment: Review and analyze credit applications from customers to determine their creditworthiness based on scorecard models and established risk criteria.
  • Financial Analysis: Conduct financial analysis for large loans, assessing the creditworthiness of applicants by examining financial statements, credit reports, and other relevant data sources.
  • Risk Evaluation: Evaluate risk factors associated with each credit application and make well-informed decisions on the appropriate credit limit, interest rate, and other relevant terms.
  • Loan Origination Process: Ensure strict adherence to the credit policy and credit processes to maintain regulatory compliance and minimize risk exposure.
  • Process Optimization: Continuously evaluate and refine the credit granting processes with a strong emphasis on enhancing efficiency and reducing turnaround times.
  • Alignment and Training: Facilitate alignment among reviewers and foster effective communication between reviewers and analysts through thorough quality reviews, constructive feedback, and comprehensive training initiatives.
  • Operational Efficiency: Provide input into monthly reviewer schedules and ensure sufficient capacity to review loan applications.
  • Portfolio Monitoring: Monitor the performance of existing loans in the portfolio.
  • Monthly Credit Pack: Provide input for the monthly credit reporting, focusing on portfolio quality, delinquencies, and credit risk exposure.
  • Defaulted Loan Reviews: Conduct comprehensive reviews of defaulted loans to identify trends and risks that can help improve and refine credit criteria.
  • Quality Monitoring: Ensure diligent quality monitoring of reviews to guarantee compliance with credit policy and processes, maintaining alignment and consistency.
Requirements:
  • Experience: 2-3 years of experience working in the financial services and/or lending industry.
  • Qualifications: Honours degree in Finance / Accounting / Mathematics or related.
  • Computer Skills: Strong understanding of data modelling concepts and techniques, proficiency in SQL, and knowledge of database systems.
What We Offer:

As a Credit Specialist at Scholtz Partners International, you will have the opportunity to work with a dynamic team, develop your skills, and contribute to the growth and success of our company.

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