Business Funding Analyst

4 weeks ago

Cape Town, South Africa Silk Road Consulting (Pty) Ltd Full time

BUSINESS FUNDING ANALYST VACANCY

To originate prospective new business loan applications (analysing, review, and evaluation) and to provide customer service throughout the loan origination journey.

1. Responsibilities

Loan origination:

  • Review and evaluates loan applications and documentation for completeness.

  • Preparing, reviewing, and analysing the creditworthiness of all business loan

    originations by completing a credit scorecard.

  • Review of the financial status of the client by interpreting financial statements

    and SARS documentation.

  • Request additional information and follow up outstanding applications.

  • Engaging with clients (telephonically and written) throughout the loan

    origination journey.

  • Creating loan quotes and proposals in conjunction with the credit and legal

    team.

  • Determine loan pricing, repayment mechanisms and terms (in consultation with

    credit team).

  • Providing professional customer service, through quick turn-around time and

    effective communication, whilst adhering to the lending guidelines and

    practices.

  • Contribute to the achievement of monthly business targets.

Administrative duties:

  • “Pipeline management” from origination through to close.

  • Post-close due diligence to ensure the loan is documented as approved and is

    in compliant with business/credit rules, relevant regulations, and internal

    policies and guidelines.

  • Follow up on any non-payment.

  • Deal with new payment plans or refinancing requests.

  • Deal with early settlement queries.

  • Obtain and file copies of loan applicants' credit history, corporate financial

    statements, and other financial information.

  • Constantly reviewing and improving the origination and lending process in

    order maintain highest level of efficiency, and ability to allocate more time to origination and business development.

Compliance:

  • Operate in compliance with laws and regulations and adhere to lending compliance guidelines.

 

2. Role Requirements

Minimum Formal Qualifications and Training:

  • NQF Level 7
  • Degree in accounting or business studies or similar.

Minimum Work Experience:

  • 5 years of work experience in loan origination/administration

  • Familiarity with loan administration, accounting and banking applications/software is preferred.

  • Financial/accounting skills with the ability to understand and interpret financial statements, historical trends, budgets, projections, management performance, industry, and cash flow information.

Technical/Business Competence:

  • Strong sales skills are essential to grow the debtor’s book with new business.

  • Deadline driven - Driven to close a deal as soon as possible to ensure

    disbursement.

  • Strong negotiation skills

  • Customer satisfaction orientation and sales competencies

  • Analytical skills (data analyses)

  • Excellent excel skills (pivots, lookups).

  • Strong administrative skills.

  • Solid understanding of lending products and practices

  • Strong project management – planning, organisational & time management

  • Excellent written and verbal communication and interpersonal skills

  • Extremely well organized with the ability to effectively multi-task and calmly

    handle diverse workloads while maintaining a positive customer-focused

    attitude.

  • Problem solving

  • Ability to work in a goal-oriented environment.

  • Resourceful and the ability to take initiative.

  • Ability to work in a team and support sub-teams

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