Junior Credit Analyst

Job Description

Position:
Junior Credit Analyst – Officer:
Branch Credit
Location:
Centurion, South Africa

• Prepare new Credit Proposals for submission, including:

  • Conducting needs analysis, ITC and CIPC vetting, financial analysis, affordability calculations, and industry analysis.

  • Performing qualitative and quantitative research.

  • Ensuring all client information is accurate and up to date.

  • Communicating with clients regarding any queries or clarifications.

  • Drafting detailed write-ups to motivate requests and submitting them for approval.

• Process and maintain Credit Files and Branch memos, including follow-ups for company financials.

• Manage supporting documentation such as Rate Clearance Certificates, Valuation Reports, and Financial Ratings.

• Respond to queries related to the Credit Department.

• Monitor clients in excess of limits or with overdue accounts and ensure approvals/notifications are in place.

• Ensure compliance with all conditions:

  • Insurance policies are current.

  • Valuations are up to date.

  • Rate statements are accurate.

  • Security documents are complete and all special conditions are met.

• Manage issuance of guarantees, bank audit confirmations, negotiations, and client queries.

• Ensure proper record-keeping in line with the Bank’s policies.

• Undertake specific ad-hoc projects/assignments as directed by the line manager.

• Relevant Bachelor’s Degree (e.g., BCom, BCom Honours in Banking).

• Minimum 5 years’ banking experience, with specialization in credit.

• Strong financial analysis and credit assessment skills.

• Proven ability to complete activities accurately, within deadlines, and in compliance with internal processes and procedures.

• Excellent relationship-building and client communication skills.

• Strong organizational skills with high attention to detail.