Job Description

The Senior Credit Analyst forms part of a credit team that is responsible for the effective growth, management and profitability of the Bank's advance book portfolio allocated to the team
Requirements
CREDIT RECOMMENDATION AND APPROVAL

• Personal to holder mandate as communicated in writing by Chief Risk Officer and Head: Credit Risk Management
• Credit Committee invitee in absence of Credit Manager
• Ensuring that the risk rating (RM3) and debt service cover ratio (DSCR) calculations plus all other supporting documentation submitted with a credit proposal is in order.

CREDIT MAINTENANCE

• Daily exception reports
• Loan arrear reports
• Group reports
• Joint responsibility for correctness of the bank's collateral incorporating facility and quotation documentat
• Limit management and review
• Risk grading incorporating capture and checking on RM3 model
• Ensuring that the correct this grading is captured across all systems
• Effective and timely communication

OPERATIONAL / ADMINISTRATIVE

• Management of turnaround times within service level agreement
• Ensure accurate and timely provision of information to the Manager: Credit Operations for reporting to regulators, external auditors, finance department, executive and board
• Ensure all items on credit system are actioned timeously
• Ensure correctness of security quoted and receipt of supporting documentation for all proposals submitted on credit system
• Provide a meaningful recommendation on proposals submitted within recommendation mandate as advised by Credit Manager from time to time
• Ensuring risk-based pricing
• Ensuring adherence to all terms and conditions of sanction
• Timely receipts and analysis of debtor schedules and management accounts
• Monitoring of watch list accounts
• Loan account opening incorporating correctness of grids and fee recovery
• Control of forex linked facilities
• Preparation of agendas and packs for credit meetings
• Advances file maintenance and adherence to Credit file naming conventions
• Ensuring correctness of executive summary where necessary
• Performing any of any ad-hoc duties assigned by Head: Credit Risk Management or Credit Manager

STRATEGIC OBJECTIVES

• As communicated via the Chief Risk Officer and Head: Credit Risk Management

Academic Knowledge:

• Matric with further studies preferably a Bachelor's degree

Work Experience:

• 3 years' experience in lending field

Skills/Specialized Know How:

• Knowledge of laws and regulations impacting on lending such as Companies Act,

Benefits

• Medical Aid
• Provident Fund
• Group Life Cover
• Income Disability Cover
• Funeral Cover
• Training & Development