Job Description

To support the Relationship Manager to acquire new clients and increase returns on the current lending portfolio by growing market share in the allocated region(s).Minimum Qualifications

• Grade 12
• Bachelors degree in Finance, Accounting, Economics, Business Administration, or a related field
• Certification such as Chartered Financial Analyst (CFA) will be an advantage

Minimum Experience

• 3 - 5 years of experience in credit analysis, credit administration, and/or risk management

Key Performance Areas

• Assist in the preparation and submission of comprehensive credit applications
• Compile various documents such as, but not limited to ITC, Windeed, new/updated valuations and bank codes and include them in the credit application
• Capture all the technical details of the application on the e-Credit system
• Ensure that limits are noted according to the credit decision
• Evaluate the creditworthiness of clients, analyse financial statements, and conduct credit risk analysis.
• Identify and mitigate potential credit risks.
• Monitor credit exposure and take corrective actions when necessary.
• Maintain and strengthen relationships with clients, providing support and guidance regarding credit policies and procedures.
• Promptly resolve all client queries.
• Ensure compliance with internal credit policies and external regulations, prepare detailed credit reports, and maintain accurate records.
• Implement and monitor adherence to credit limits and terms.
• Maintaining accurate and up-to-date records of credit assessments and decisions and preparing detailed credit reports and analysis.

Technical Knowledge and Competencies

• Proficiency in MS Office, especially Excel
• Knowledge of SAP
• Strong financial acumen and analytical skills
• Excellent planning and organising skills
• Good interpersonal and communication skills in English and Afrikaans
• Understanding of relevant credit policies, financial regulations, and compliance requirements in South Africa

Behavioural Competencies

• Accuracy and attention to detail
• Flexible behaviour
• Team player and able to work independently
• Result-oriented and analytical
• Focus on quality

Closing date: 09 August 2024Please note that correspondence will be limited to shortlisted candidates only. Applicants who have not heard from us within 30 days of the closing date may assume that their applications have been unsuccessful and are hereby thanked for their interest. The filling of these positions will be aligned to AFGRI's Employment Equity PolicyApplicants are informed that in order to consider any application for employment, we will have to process your personal information.A law, known as the Protection of Personal Information Act, 4 of 2013 (POPIA) provides that when one processes anothers personal information, such collection, retention, dissemination and use of that persons personal information must be done in a lawful and transparent manner.In order to give effect to this right, we are under a duty to provide you with a number of details pertaining to the processing of your personal information. These details are housed under the HR Processing Notice, which can be accessed and viewed on the AFGRI Group website, https://www.agh.co.za/ which HR Processing Notice we request you kindly download and read.

AFGRI