Job Description

Position: Junior Credit Analyst - Officer: Branch Credit
Location: Centurion, South Africa
Key Responsibilities
1. Credit Proposal Preparation
Prepare new Credit Proposals for submission, including:
Conducting needs analysis, ITC and CIPC vetting, financial analysis, affordability calculations, and industry analysis.
Performing qualitative and quantitative research.
Ensuring all client information is accurate and up to date.
Communicating with clients regarding any queries or clarifications.
Drafting detailed write-ups to motivate requests and submitting them for approval.
2. Credit Query Management & Administration
Process and maintain Credit Files and Branch memos, including follow-ups for company financials.
Manage supporting documentation such as Rate Clearance Certificates, Valuation Reports, and Financial Ratings.
Respond to queries related to the Credit Department.
Monitor clients in excess of limits or with overdue accounts and ensure approvals/notifications are in place.
Ensure compliance with all conditions:
Insurance policies are current.
Valuations are up to date.
Rate statements are accurate.
Security documents are complete and all special conditions are met.
Manage issuance of guarantees, bank audit confirmations, negotiations, and client queries.
Ensure proper record-keeping in line with the Bank's policies.
Undertake specific ad-hoc projects/assignments as directed by the line manager.
Qualifications, Experience & Attributes
Relevant Bachelor's Degree (e.g., BCom, BCom Honours in Banking).
Minimum 5 years' banking experience, with specialization in credit.
Strong financial analysis and credit assessment skills.
Proven ability to complete activities accurately, within deadlines, and in compliance with internal processes and procedures.
Excellent relationship-building and client communication skills.
Strong organizational skills with high attention to detail.

Skills Required