Job Description

Job Summary
The overall purpose of the job is to assess and mitigate risk by carrying out a comprehensive and quality credit risk function by analyzing the client's business, financial statements, and management accounts in order to provide a recommendation on new accounts and existing accounts annually.
Record new account information in the new accounts register within 3 hours of receipt of documents;
Update new accounts register daily with the progress of the account;
Have a discussion with a Commercial person to understand the requirements of the client;
Review all the documents received - Business Application, STCs, company documents, and motivation;
If STCs are amended, ensure legal has reviewed and given the go-ahead;
Obtain the necessary credit bureau reports, trade references, and general research on the internet for the client;
If Audited Financial Statements are received, prepare the necessary ratios on the Credit Report Assessment document;
Visiting of clients as financials may need to be reviewed at the client premises;
Process should be completed within 1 to 2 days, and then review with the GCM;
If the risk is high, AFS and or guarantee is requested once discussed with the GCM;
Ensure the monthly re-vett schedule is completed, and the necessary accounts are reviewed
For Existing Clients:
The same process as new accounts is followed, but adding in the payment history over the last 6 months to a year depending on the payment terms;
Meet with the individual division's GM's/ Commercial teams weekly to understand what is coming on board and sort out any underlying issues;
Once the account has been approved, create the client accounts on BOS, SAP, or CW inputting all client's correct information;
Once opened on the system, all documents need to be uploaded to the Risk Share folder;
Prepare internal and external letters notifying everyone of the account being opened;
To ensure filing is up to date with all client's applications and documents;
Ensure POPI is followed;
Carry out the duties of colleagues as requested by Management whilst the colleagues are on leave or during peak periods;
Ensure that you know and adhere to all Company policies and procedures.
The successful candidate will need to be qualified with a degree.
BCom or BTech as well as Credit management 4 or 5
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