Junior Credit Analyst

3 days ago

Durban, KwaZulu-Natal, South Africa Hire Resolve Full time
A leading financial services company is seeking a Junior Credit Analyst to join their team. This role involves preparing comprehensive credit proposals for the Executive Credit Committee, assessing clients' financial health, and determining whether asset and/or trade finance can be extended.


Responsibilities

Credit Proposals:

  • Analyse financial statements and management accounts to assess applicants and guarantors

  • Prepare income statements, balance sheets, and consolidate information

  • Analyse VAT returns and book debts

  • Research market trends and determine repayment affordability

  • Obtain and verify client background information

  • Request credit reports and security confirmations

  • Create SWOT analyses

  • Maintain security and arrears tracking

  • Conduct sensitivity analysis for proposals

  • Prepare trust review information and identify risks

  • Respond to management and committee queries

  • Conduct monthly book debt analysis and updates

  • Liaise with clients on queries

Trade Finance Reviews:

  • Maintain and update trade review lists and registers

  • Track application status and approvals

  • Maintain outstanding information lists

Review Letters:

  • Prepare and follow up on trade review letters

General:

  • Follow up on financial information from clients

  • Review FICA documentation

  • Complete necessary checklists

  • Compile and maintain deal files

Requirements
  • Degree or relevant qualifications in Finance/Accounting (highest level of competence)
  • Minimum of 2-3 years' experience in the Finance/Accounting environment
  • Proficiency in MS Office

Knowledge of:

  • Credit policies and procedures

  • Shariah banking principles

  • Bank's policies and procedures

  • Basic knowledge of the bank's products and services

  • Finance and accounting principles

Please Note, if you don't match the Requirements or Industry, you won't be consider for this role.

Benefits

    • Apply for this role today, contact Sonique Beetge at Hire Resolve or on LinkedIn
    • You can also visit the Hire Resolve website: or email us your CV: [email protected]
    • Please use "Junior Credit Analyst" as your subject line when applying via email 

      Contact Hire Resolve for your next career-changing move today

      We will contact you telephonically in 3 days should you be suitable for this vacancy. If you are not suitable, we will put your CV on file and contact you regarding any future vacancies that arise

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