Business Credit Analyst - Inland at Bidvest Bank

Primary Purpose

To assess and process applications for Lending Applications as well as monitor various other collateral functions.

Minimum Requirements

Qualifications

• Banking Diploma /Finance Degree or Diploma

Competencies

• Finance knowledge and ability to read financial statements
• Excellent computer skills in Word, Excel
• Accounting principles
• Good verbal and written communication
• Attention to detail
• Prioritizing
• Quality orientation
• Problem solving
• Organised
• Professionalism
• Confidentiality
• Innovation
• Team Player
• Assertiveness
• Cost conscious
• Motivated
• Ability to work under pressure
• Integrity
• Vision
• Independence

Ideal

Experience

• 3-5 years related experience

Duties and Responsibilities

FINANCIALS

• Assessing, analyzing and interpreting complication financial information
• Completing loan application forms and submitting to loan committees for approval
• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money
• Prepare reports that include the degree of risk involved in extending credit or lending money
• Generate financial ratios, using computer programs, to evaluate customers’ financial status

CUSTOMER CENTRICITY

• Ensures customer service excellence
• Communicate vision and services
• Identify problem areas and ensure corrective action is taken.
• Analysis of the month-end reports to ensure accuracy of data.
• Interprets business/customer requirements to provide timeous solutions.
• Responsiveness: Speed of responses, reaction time, going the extra mile, turnaround time.

REPORTS

• Document Control
• Monthly reporting
• General Reporting