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Credit Analyst- Commercial Banking and Transformation (Nelspruit)

Credit Analyst- Commercial Banking and Transformation (Nelspruit)

Secondmentsnelspruit, Mpumalanga, South Africa
7 hours ago
Job description

Key Performance Areas

Credit Assessment and Risk Management

  • Carry out full credit assessments within allocated portfolio through credit submissions, financial analysis, reviews, re-advancing loans, collateral analysis, approval conditions tracking and risk management.
  • Check the credit submission for completeness, including accompanying documents in terms of the approved loan guidelines.
  • Ensure that all relevant information and documentation has been received from the operations as per the agreed checklist
  • Follow up with the Provincial offices to ensure that all supporting documentation is complete
  • Ensure that loan applications conform to the set standards, highlight anomalies and suggest corrective measures
  • Align products to the purpose of the loan and the Credit Policy to suite customers needs
  • Co-ordination of PCC and RCC setting up of agenda(s) for application(s) to be heard
  • Reporting stats of application(s) processed for allocated region(s)

Stakeholder Relationship Management and Team Support

  • Build relationships with all the relevant stakeholders to ensure understanding of requirements and addressing any credit related issues
  • Respond to queries received from the Provincial office operations and the relevant Credit Committee
  • Promote a culture of credit risk management at Provincial office level.
  • Provide guidance and training to operations on credit related matters
  • Adhering to legislative requirements
  • Pro-actively develop self with regards to other / new products in the Company
  • Manage own career and personal developments
  • Demonstrate behaviour that is aligned to the Company values
  • May be required to represent Credit on projects as assigned by management
  • Research, compliance training, maintain stakeholder relationship management and team support

    • General Administration and Audit Matters

  • Ensure that documentation is archived in accordance to the Banks policy for record and audit purposes
  • Attend to audit findings as and when required within area of responsibility
  • Take remedial action on all audit findings and ensure that issues are resolved or addressed
  • Ensure recording of all credit committee meetings are loaded on the v-drive
  • Ensure feedback is given to all the relevant stakeholders on outcome of the application
  • Manage capturing of weekly and monthly stats reports
  • From time to time may be requested be secretariat for ECC, which involves co-ordinating ECC meeting and taking minutes in compliance with the prescripts of the charter.
  • From time to time we maybe required to assist in the various provincial office and regional. Offices.

    • Loan Policies and Procedures

  • Provide input to policies and procedures and updates and identify opportunities to improve as and when required
  • Provide inputs on lending norms and credit criteria to be applied on new products
  • Participate in the review of Credit Policies and procedures.
  • Ensure that the Provincial officees are informed of changes to policies and / or of credit policies and procedures that have been approved
  • Provide guidance to the operations at Provincial office level to ensure consistency and a standardised approach
  • Applying credit policies and procedures and input in improving standard and operating processes and procedures.

    • Qualification Requirements

  • 3 year Tertiary Qualification (Commerce) Majors Accounting; Agri Economics, Credit Management

    • Thorough knowledge of the

  • NCA, CPA, FICA and related credit regulatory requirements
  • The primary and secondary agriculture sector finance.
  • Appraisal of credit proposals and deal structure for : assets finance, working capital, back ward and forward integration finance
  • Advanced business acumen

    • Critical Competencies

  • Microsoft Office
  • Knowledge of risk management principles
  • Knowledge / Experience of compliance systems / tools
  • Compliance Management Principles
  • Knowledge of Compliance related legislation
  • Knowledge of Business
  • Law Principles

    • Additional Requirements

  • Travel as and when required
  • Extended hours as and when required
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    Credit Analyst • nelspruit, Mpumalanga, South Africa