Credit Analyst at Al Baraka Bank South Africa

MAIN FUNCTIONS OF THE JOB INCLUDE: 

Vetting Applications:

• Review and analyse finance applications within the mandates of Executive Credit Committee (ECC), Senior Management Credit Committee (SMCC), and Management Credit Committee (MCC).
• Assess credit risks, ensure compliance with regulatory and internal policies, and make recommendations for management approval.
• Board Credit Committee (BCC) Submissions: Prepare and submit applications to the BCC and Board of Directors (BOD) for approval
• Compile necessary documentation and ensure all queries are addressed promptly.

Projects:

• Involve with credit projects such as CreditLens.

Internal & External Auditors:

• Coordinate with internal and external auditors, providing necessary information and addressing audit queries promptly.
• Prepare submissions for audits and ensure compliance with audit recommendations.

Credit Policies and Procedures:

• Assist in the creation, review, and enhancement of credit policies and procedural documents.
• Attend procedure review committee meetings as a representative of the Credit department.

Reporting:

• Preparation of reports to Board Credit Committee.
• Ensure accuracy and completeness of reports.

Credit Awareness and Training:

• Conduct credit awareness sessions and training for sales and credit staff on amended regulations, internal policies, and procedures.
• Prepare presentations and materials as required.
• QUALIFICATIONS:

• A Bachelor of Commerce Degree in Accounting or Finance

PREFERRED EXPERIENCE:

• At least 2 years' experience in the Banking industry, specifically with Credit / Accounting experience