Job Description

VACANCY: CREDIT SPECIALISTDURBANVILLE AREAAs a Credit Specialist, your key responsibility will be to evaluate and assess the creditworthiness of businesses seeking loans by utilizing scorecard models, analysing financial data, and applying sound risk management practices to make well-informed credit decisions. The successful candidate will actively collaborate with cross-functional teams, contributing to the development of scorecard models and playing a vital role in supporting the company's overall credit risk management strategy.Key Performance Areas

• Credit Assessment

• Review and analyze credit applications
• Conduct financial analysis for large loans
• Evaluate risk factors for each application
• Ensure strict adherence to regulatory compliance
• Process optimisation
• Ensure operational efficiency
• Monitoring of quality, trends, risks etc.
• Onboarding of new reviewers

Minimum Requirements / Qualifications:

• Honours degree in Finance / Accounting / Mathematics or related. Preferred: CA(SA)/ACCA/CIMA
• 2-3 years of experience working in the financial services and/or lending industry

Experience required

• Experience as a Credit Analyst in a scorecard-based environment or a similar role within the financial services industry is a bonus.
• Knowledge of commercial credit products, market trends, and/or loan procedures, credit life cycle (up to and including collections).
• Familiarity with industry-specific factors influencing credit risk, such as market trends, regulatory changes, and economic conditions.
• Understanding credit bureau data, credit scoring methodologies, and regulatory compliance.
• Experience in monitoring and analyzing the performance of existing credit accounts to assess credit quality, identify trends, and manage credit risk exposure.
• Familiarity with credit policies and guidelines, ensuring credit decisions align with the established risk appetite.
• Knowledge of loan administration, accounting, and banking applications/software.

How to Apply:Kindly send your CV with motivation and salary expectation to

Silk Road Consulting