Credit Analyst

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Bidvest Bank
Sandton
ZAR 200 000 - 300 000
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Job description

Primary Purpose

Performs financial analysis and interpretation, deal structuring, and recommendations to credit. Supports the Bankers to structure credit applications, as well as the management of existing portfolio (essentially income generating / monitoring). Johannesburg-based applications welcome.


Minimum Requirements

Qualifications

  • BCom Degree/ Advanced Diploma in Accounting/Finance/Credit Experience

Experience

  • 3-5 years banking experience - risk, credit Ideal
  • 3-5 years banking experience

Knowledge, Skills and Abilities Required

  • Financial analysis and interpretation
  • Planning/organizing
  • Attention to detail
  • Reporting
  • Interpersonal skills
  • Verbal and written communication skills
  • Managing relationships at a strategic partner level

Duties and Responsibilities include but are not limited to

Financials

  • Accurate and comprehensive assessment of the background needs and affordability of a credit application.
  • Analysis of financial information and preparation of financial models to determine deal feasibility and potential returns.
  • Preparation of credit paper and information pack.
  • Assisting in deal presentation to the relevant Credit committee.
  • Management and oversight of deal execution, including finalization of all deal conditions (fees etc).

Admin

  • Minimize risks and grow assets through lending at industry-related acceptable risk levels.
  • Build relationships with internal customers supporting Client Coverage in an advisory role and on deal structure/presentation.
  • Build relationships with external customers and have a willingness to ‘listen' to the customer.
  • Manage TATs and SLAs with business and Client Coverage colleagues and Credit.
  • Drive internal credit efficiencies and strategies.
  • Industry research on how the 4IR has impacted entrepreneurship both locally and internationally.
  • Learning how business as a whole has evolved and how best to position ourselves as a Bank to benefit from this evolution.

This position is advertised in line with our commitment to Employment Equity.

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