Credit Analyst- Small Business Finance

Processing of credit proposals, compilation of autonomous credit submission reports that form part of funding applications disseminated to Credit Committees. Responsible for oversight on the Origination of deals and management of credit and investment risk at the onboarding stage.

Qualifications

• B Com degree or equivalent
• Post graduate qualification will be an added advantage

Knowledge and Experience

• 5 to 8 years of relevant experience in a financial institution, 2 years of which must be specifically in the SME space
• Knowledge and understanding of credit risk and any associated risks prevalent in the financing of transactions/projects
• Excellent written and verbal communication skills
• Advanced proficiency in financial statement analysis
• Ability to work independently and collaboratively in a team environment
• Portfolio management or Origination experience will be an advantage

• Provision of independent credit & investment assessments on credit submissions to credit committees; exercise credit judgment; and make sound credit recommendations within stipulated Service Level Agreement.
• Participation in Due Diligence investigations with the SBUs & Regional offices, provide advice on risks to be assumed, mitigating factors and assessing the viability of projects.
• Performing risk grading and pricing of Business Partners through the application of in-house credit risk tools and models and give constructive view on the output.
• Ensure adherence to Credit policies and procedures as well as team alignment to the Credit Risk Appetite strategy, taking into account group counterparty, and concentration limits guidelines.
• Assist in formulating tools and systems to better service the SME portfolio.
• Facilitating constructive working relations and healthy working morale with internal stakeholders.
• Prepare and position submissions at the relevant sanctioning committees.
• Perform pro-active on-going credit monitoring and risk management on a client and portfolio level and attend Investment monitoring committees.
• Ensure on-going compliance with regulatory requirements.
• Stay informed on industry trends, market conditions, and regulatory changes that may influence creditworthiness and investment decisions.

TECHNICAL/FUNCTIONAL COMPETENCIES

• Problem Solving
• Business Acumen
• Report writing Skills
• Strong attention to detail and data validity
• Project Management Skills
• Strong Analytical Skills
• Planning and Organizing

BEHAVIOURAL COMPETENCIES

• Good Communication Skills
• Self-motivated and self-driven skills
• Coping with Pressures and Setbacks
• Negotiating and influencing
• Interpersonal Skills

Job Reference: IDC00406