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Credit Analyst

2 weeks ago

Durban, South Africa Precision Placements Full time

**CORE PURPOSE OF THE JOB**
To provide for the preparation of Credit proposals required by the Executive Credit Committee, encompassing the analysis of clients’ financial position in order to determine whether or not Finance can be extended for assets and/or trade.

**MAIN FUNCTIONS OF THE JOB INCLUDE**:
**_Credit Proposals_**
- Analysis of financial statements and management accounts in order to assess financial performance of applicants as well as guarantor entities which includes preparation of Income Statement, Balance sheet spread and consolidation of Information where applicable
- Analysis of Value Added Tax (VAT) returns and book debts
- Research market trends, perform qualitative reviews, Corporate ratings and determines affordability of repayments
- Obtains information on clients’ background, nature of business, location, Management, customer and supplier information
- Requests Kreditin form report to determine clients Credit history, bank reports and security confirmations if it is related to a trade client
- Creates a SWOT analysis in order to identify risks associated with clients thus highlights the banks awareness to potential hazards
- Summarises detailed needs and requirements of clients and comments on utilisation
- Prepares and updates detailed manual exposure report for Group in terms of security by ensuring securities are correctly loaded, financials are updated, qualitative review status is updated, valuations are up to date and follows up on arrears if applicable
- Prepares information sheet and requests Trust reviews from Legal department
- Identifies risks with respect to client and/or Industry and mitigating factors
- Responds to queries made by Management Credit Committee (MCC), Executive Credit Committee (ECC), Board Credit Committee (BCC) and Board of Directors (BOD) relating to the proposal as and when required
- Prepares Executive summarises for Board Credit Committee (BCC) and Board of Directors (BOD) submissions
- Value added / innovation / risk assessment incorporated in credit reports

**_Administration_**
- Ensuring all information is captured on the Technical Support Log accurately and timeously
- Liaising with clients (request of information/providing feedback when necessary/administrative assistance/liaison with suppliers)
- Timeous completion and completeness of deal file handover

**_Risk Management_**
- Other Conditions
- regularly follow up on all outstanding conditions and ensure timeous receipt thereof
- Following up on covenant requirements with clients; including Book debts submission to Credit and updating covenant schedule on Sharepoint, with comments where necessary
- FICA - Obtaining updated/new FICA documentation for clients where necessary
- EDD- Ensuring EDD is performed within due date.
- Trade Review Management
- Ensuring facility letters are sent 3 months prior to expiry and follow ups are made for outstanding info regulary, ensuring that all expired facilities have extensions prior to expiry, ensuring reviews are processed without delay when information is received and communicating facilities that are to be suspended when required.

**_Analysis of Book Debts_**
- Conducts analysis of book debts on a monthly basis for clients, whose cession of book debts are held as security which entails liaising with clients to determine recoverability of book debt balances that are outstanding
- Determines updated book debt security amounts and updates on the system
- Prepares book debt pack schedules which entails security values for each client and risk rating on a monthly basis
- Liaise with clients with regards to book debt queries
- Responds to queries on the analysis raised by the Management Credit Committee (MCC)

**_General_**
- Follows up on financial information required from clients and queries relating to Financial statements, etcetera
- Completion of the necessary checklists
- Ad-hoc requirements from Corporate and Relationship Manager

**QUALIFICATIONS**
- A degree or Relevant Qualifications in Finance / Accounting will be required in order to meet the requirements of the role at the highest level of competence

**PREFERRED EXPERIENCE**
- A minimum of 2-3 years experience in the Finance/ Accounting environment

**Market related salary on offer**

**Education**:

- Diploma (required)

**Experience**:

- Accounting/Finance: 2 years (required)