Job Description

Credit Assessment: Review and analyse credit applications from customers (business), to determine their creditworthiness based on scorecard models and established risk criteria which includes quantitative and qualitative information
Financial Analysis: Conduct financial analysis for large loans, assessing the creditworthiness of applicants by examining financial statements, credit reports, and other relevant data sources
Risk Evaluation: Evaluate risk factors associated with each credit application and make well-informed decisions on the appropriate credit limit, interest rate, and other relevant terms
Compliance: Ensure strict adherence to the credit policy and credit processes to maintain regulatory compliance and minimize risk exposure
Process Optimisation: Continuously evaluate and refine the credit granting processes with a strong emphasis on enhancing efficiency and reducing turnaround times, all while staying within the established credit risk appetite
Portfolio Monitoring: Monitoring the performance of existing loans in the portfolio
Monthly Credit Pack: Provide input for the monthly credit reporting, focusing on portfolio quality, delinquencies, and credit risk exposure
Defaulted Loan Reviews: Conduct comprehensive reviews of defaulted loans to identify trends and risks that can help improve and refine credit criteriaSkills & Experience:
Analytical, problem-solving, attention to detail
Responsible, self-motivated, and enthusiastic
Ability to thrive in an ever-changing environmentQualification:
AGA(SA)
SAICA articles
Degree + Minimum 5 years experienceContact HAYLEY MULDER on

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