Analyst: Business Bank Credit

To support the Credit Manager in the management of the credit portfolio in the assessment and verification of credit applications and assessing credit risks prior to the migration of risk groups to other areas of the Bank.

• 3+ years previous general banking experience, of which 1-2 years should have been spent in the Business Banking environment.
• Financial statement analysis and pre-checking of credit applications.

• Grade 12 National Certificate / Vocational.

• National Diploma in Accounting - Financial Accounting or Banking.

• General understanding of how Business Banking operates, as well as understanding the business risks, industry risks, and financial requirements pertaining to this market.
• Good knowledge of general banking practices and procedures, especially within a Business Banking environment.
• Good knowledge and understanding of Credit products, features, and benefits.
• Knowledge of Credit principles and practices, including an understanding of credit applications, collateral, and financial statement requirements.
• Knowledge of multiple legal entities (companies, close corporations, sole proprietorships, etc.) in the Business market and the legislative restrictions and requirements governing these from a financial services perspective.

• Numerical reasoning skills.
• Attention to detail.
• Problem-solving skills.
• Analytical skills.
• Computer literacy (MS Word, MS Excel, MS Outlook).

• Clear criminal and credit record.