Credit Analyst

**PURPOSE OF THE JOB**:
**DUTIES AND RESPONSIBILITIES OF THE JOB**:

- Documentation collation, preparation and filing. ? Application supporting documents (Bank confirmations, HP balances etc.)

? FICA & KYC documents.

? ZCI, Windeed, Transuion, UN list, etc.

? Security documents.

? Final pack for account creation.

? Outcome on approvals.

? Review all supporting documents for accuracy.

? Confirm grain deliveries.

? Confirm input norms, yields, prices etc used in cash flow and review cash flow.

? Confirm security values.

? Confirm adherence to policy.

? Make and propose changes; discuss with MAF and resolve.
- Provide timely feedback to Assistant Credit Manager/ Credit Manager/MAF regarding status of credit Application.
- Telephonic enquiries and arrangements with clients with regards to debt collection and payments on all accounts.
- Confirm client arrangements and update SAP notes.
- Allocation of payments, Collections and payment of grain income.
- Early identification of accounts in dispute and/or arrears and possible carry over debt and reporting.
- Prepare accounts for transfer to Legal department.
- Issue final demand letters.
- Issue instruction for registering cancellation or rearrangement of securities and sessions.
- Credit limit management. ? Follow-up of extensions requested.

? Follow-up on approval conditions for opening of facilities.

? Arrange for opening up/availability of credit limits.

? Downward adjustment of limits where payments/deliveries received.
- Monitor approved clients without grain sessions (Voluit betalers).
- Handling of (estate late) accounts.
- Administration and management of Grain Financing accounts (100% responsibility).
- Maintain healthy relationship with clients at all times.
- Monitor utilization of credit facilities and follow up with relevant parties.
- Monitor and explain exceeding of credit limits with client.
- Relevant BCom-degree
- At least 1-year relevant credit experience.- Kindly note that a consumer credit record will be requested in respect of all appointments which involve dealing with cash or finances.

**CLOSING DATE: 30 OCTOBER 2024