Junior Credit Analyst Full Time

A leading financial services company is seeking a Junior Credit Analyst to join their team. This role involves preparing comprehensive credit proposals for the Executive Credit Committee, assessing clients’ financial health, and determining whether asset and/or trade finance can be extended.

Responsibilities

Credit Proposals:

• Analyse financial statements and management accounts to assess applicants and guarantors

• Prepare income statements, balance sheets, and consolidate information

• Analyse VAT returns and book debts

• Research market trends and determine repayment affordability

• Obtain and verify client background information

• Request credit reports and security confirmations

• Create SWOT analyses

• Maintain security and arrears tracking

• Conduct sensitivity analysis for proposals

• Prepare trust review information and identify risks

• Respond to management and committee queries

• Conduct monthly book debt analysis and updates

• Liaise with clients on queries

Trade Finance Reviews:

• Maintain and update trade review lists and registers

• Track application status and approvals

• Maintain outstanding information lists

Review Letters:

• Prepare and follow up on trade review letters

General:

• Follow up on financial information from clients

• Review FICA documentation

• Complete necessary checklists

• Compile and maintain deal files

Requirements

• Degree or relevant qualifications in Finance/Accounting (highest level of competence)
  
• Minimum of 2-3 years’ experience in the Finance/Accounting environment
• Proficiency in MS Office

Knowledge of:

• Credit policies and procedures

• Shariah banking principles

• Bank’s policies and procedures

• Basic knowledge of the bank’s products and services

• Finance and accounting principles

Please Note, if you don’t match the Requirements or Industry, you won’t be consider for this role.

Benefits

• • Apply for this role today, contact Sonique Beetge at Hire Resolve or on LinkedIn
  • You can also visit the Hire Resolve website: hireresolve.us or email us your CV: financialcareers@hireresolve.za.com
  • Please use “Junior Credit Analyst“ as your subject line when applying via email 

    Contact Hire Resolve for your next career-changing move today

    We will contact you telephonically in 3 days should you be suitable for this vacancy. If you are not suitable, we will put your CV on file and contact you regarding any future vacancies that arise