Junior Credit Analyst

About the position

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.
  
  

Desired Skills:

• credit analysis
• financial analysis
• securities
• financial ratings
• compliance