Mortgage Originator – Credit Analyst (Ref: 105)

Northern Suburbs. R15-R20k. Discretionary bonus in December. No med or prov fund.

Purpose:

Our client is a well-established and respected finance company for home finance by offering a home loan structured as an instalment sale.

The business is in an exciting phase of rapid growth and seeks an applicant to assist with credit origination and management of the credit exposure (Home loans).

Company Culture:

• Mutual respect
• Shared goals
• Commitment to employee growth and development
• Team player
• Fun and hard-working environment

Employment Type:

• Full time

Key Responsibilities:

• Receive credit applications
• Perform credit worthiness and affordability procedures
• General application processing
• Database management
• Handle telephonic and email queries regarding the property company
• Application status, quotations issued, or any other questions regarding the products
• Loan book management – forbearance, restructuring, collections management
• Reporting

Team Structure:

• Report to credit manager and director
• Office team of nine
• Work closely with administration and fulfilment teams

Qualifications

Educational Requirements:

• Matric is the minimum educational requirement
• Industry-specific qualifications would be advantageous

Experience Requirements:

• Knowledge of National Credit Act, FICA and practical Credit Assessment
• Credit environment experience and/or mortgage industry experience of at least 2 years
• Demonstrated Excel ability
• Understanding of home loans environment would be advantageous

Skills and Competencies:

• Teamwork
• Analytical thinking
• Ability to work under pressure
• Ability to explain concepts in layman's terms to clients
• Fast learner
• Very good telephone and e-mail etiquette
• Ability to work without supervision / initiative

Language Requirements:

• Proficient & fluent in English and Afrikaans

Market related salary Range:

• R15 000 to R20 000 depending on experience and seniority
• Discretionary bonuses are paid in December

Please submit your CV with a photo and kindly let me know what you are currently earning.

Job Features

Job Category: Credit Analyst, Finance, Financial, Mortgage Originator