Senior Credit Analyst

3 days ago

Sandton, South Africa Access Bank PLC Full time

The Senior Credit Analyst forms part of a credit team that is responsible for the effective growth, management and profitability of the Bank’s advance book portfolio allocated to the team

**Requirements**:
**CREDIT RECOMMENDATION AND APPROVAL**
- Personal to holder mandate as communicated in writing by Chief Risk Officer and Head: Credit Risk Management
- Credit Committee invitee in absence of Credit Manager
- Ensuring that the risk rating (RM3) and debt service cover ratio (DSCR) calculations plus all other supporting documentation submitted with a credit proposal is in order.

**CREDIT MAINTENANCE**
- Daily exception reports
- Loan arrear reports
- Group reports
- Joint responsibility for correctness of the bank’s collateral incorporating facility and quotation documentat
- Limit management and review
- Risk grading incorporating capture and checking on RM3 model
- Ensuring that the correct this grading is captured across all systems
- Effective and timely communication

**OPERATIONAL / ADMINISTRATIVE**
- Management of turnaround times within service level agreement
- Ensure accurate and timely provision of information to the Manager: Credit Operations for reporting to regulators, external auditors, finance department, executive and board
- Ensure all items on credit system are actioned timeously
- Ensure correctness of security quoted and receipt of supporting documentation for all proposals submitted on credit system
- Provide a meaningful recommendation on proposals submitted within recommendation mandate as advised by Credit Manager from time to time
- Ensuring risk-based pricing
- Ensuring adherence to all terms and conditions of sanction
- Timely receipts and analysis of debtor schedules and management accounts
- Monitoring of watch list accounts
- Loan account opening incorporating correctness of grids and fee recovery
- Control of forex linked facilities
- Preparation of agendas and packs for credit meetings
- Advances file maintenance and adherence to Credit file naming conventions
- Ensuring correctness of executive summary where necessary
- Performing any of any ad-hoc duties assigned by Head: Credit Risk Management or Credit Manager

**STRATEGIC OBJECTIVES**
- As communicated via the Chief Risk Officer and Head: Credit Risk Management

**Academic Knowledge**:

- Matric with further studies preferably a Bachelor’s degree

**Work Experience**:

- 3 years’ experience in lending field

**Skills/Specialized Know How**:

- Knowledge of laws and regulations impacting on lending such as Companies Act,

**Benefits**
- Medical Aid
- Provident Fund
- Group Life Cover
- Income Disability Cover
- Funeral Cover
- Training & Development

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