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    SME Credit Analyst - Johannesburg, South Africa - The Recruitment Council

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    Description
    Are you a skilled Credit Analyst with a passion for SME lending? We have an outstanding opportunity with a leading Financial Services company This renowned organization is seeking talented individuals to join their dynamic team. Our client is looking for a specialist with a high attention to detail and who can ensure documentation submitted is correct. Someone who fully understands the SME loan application process. The ideal candidate will also have excellent verbal and written communications skills and the ability to provide explanations clearly and concisely.

    Duties and Responsibilities:
    • Assess all loan applications that are allocated to you to process.
    • Do a thorough Due Diligence on all loan applications, reject the ones that are not viable and submit and present prospective good deals to the various Credit Committees for approval.
    • Once a deal is approved, the loan must be implemented properly up to the pay-out stage which includes: all relevant documentation on file, client and Executive Management to sign all digital loan documentation and the loan to be progressed to pay-out stage. Clients to be sent Proof of Payment and relevant bonds registered with our Conveyancing Attorneys.
    • Deal with all client queries that are passed onto you and get the client to load and / or send all the required information timeously.
    • Assist prospective clients to complete the on-line application form if necessary.
    • Do after-care visits or calls on all clients wherever possible in order to ensure that they are on track and progressing well.
    • Follow-up on clients who pay late or are in arrears.
    • Stick to the SME Credit Policy and Operating Procedures at all times.
    • Attend promotional events like SME exhibitions as part of a team and promote and explain our lending products to prospective clients.
    • Achieve and attempt to exceed all the budget targets allocated to you.
    • Perform any other tasks as requested by Executive Management.

    Competency:
    • Must be well presented and well spoken.
    • Have an entrepreneurial nature.
    • Work meticulously fast and efficiently.
    • Must be street-smart.
    • Must have good Financial knowledge and skills.
    • Exceptional Interpersonal skills and ability to network.
    • Ability to build and manage relationships.
    • Effective planning, organising and time management skills.

    Experience and Qualifications:
    • Computer literate with knowledge in Excel, Word and MS Suite.
    • Min Grade 12, but preferably a B,Com Degree or Diploma in Financial Management/related field.
    • Experience in compiling an Income Statement, Cash Flow and Balance Sheet and interpreting Financial Statements.
    • Experience in purchase order loans and business order loans advantages.
    • 3 years+ Loan Officer experience.

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