Job Description

Are you a detail-oriented professional with experience in credit management? AVBOB Financial Services is looking for a Credit Administrator to join our team. In this role, you will be responsible for assessing, processing, and monitoring credit applications while ensuring compliance with the Group's policies and risk management guidelines.
You will be working for a company that is over 100 years old with strong values. In return for your services, you will be paid a competitive remuneration package. You will be working for an organization that values employee development and rewards excellent performance.
Key Responsibilities:

• Evaluate new and existing loan applications by interpreting financial data to assess creditworthiness and affordability.
• Ensure effective execution of credit applications, evaluation, and approval processes.
• Make informed decisions on loan applications based on credit policies and product guidelines.
• Ensure all loans are disbursed following the Standard Operating Procedures.
• Analyse credit data and assess associated risks.
• Adhere to lending criteria based on AFS's risk tolerance and credit risk appetite.
• Ensure compliance with the National Credit Act to promote responsible lending and prevent reckless lending.
• Communicate credit decisions to customers and explain loan terms.
• Assist customers with queries related to loan applications, repayments, and account statuses.
• Provide clear guidance on credit policies and repayment obligations.
• Prepare reports on credit approvals, outstanding debts, and risk analysis.
• Support with general administrative duties and assist with tasks arising within the department.

• Grade 12.
• National Diploma in Credit Management, Accounting, Financial Accounting, or Banking.
• 2-3 years' experience in credit management, banking, lending, or a similar environment.
• Good understanding of NCA (National Credit Act), lending products, and banking procedures.
• Computer literate (MS Office).
• Strong attention to detail and ability to work independently.
• Analytical and numerical reasoning skills.
• Problem-solving and initiative-taking capabilities.
• Good interpersonal and communication skills