Senior Credit & Risk Analyst

Responsibilities & duties

• Managing and co-ordinating the credit approval process to ensure that risks are mitigated in line with credit policies
• Ensuring targets are achieved in line with budgets
• Identification of deals that meet approval criteria through financial and credit analysis
• Quality, detailed, accurate and methodical credit risk assessment, and risk identification
• Understanding the commercial rational for deals and pricing according to risk parameters
• Accurate and timeous preparation and submission of credit applications to the credit committee
• Liaising and answering any queries from the credit committee
• Liaising and feedback to dealerships on application in the credit process
• Effectively concluding and replying to all dealer queries
• Preparation of approval schedules
• Preparation of up-to-date reporting of status of approved deals
• Ensuring deal packs comply to credit policies and overall governance
• Portfolio balancing and management
• Ongoing refinement of the credit process
• Credit Reporting

Essential qualifications

• B.com degree essential (or equivalent financial qualification)

• Experience in a similar role.
• 2-5 years’ experience in credit management / finance / accounting
• MS Office (Word, Excel, Outlook, PowerPoint)
• Strong Excel Skills