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Lets find opportunities together. Lets get it done. As a subsidiary of The Bidvest Group Limited, were an entrepreneurial bank that seeks out the opportunities and market gaps which traditional banking often ignores. By being flexible and nimble, were able to service our customers better than anyone else. How? We understand that no two individuals are ali...
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ABOUT THE POSITION
To assess and process applications for Lending Applications as well as monitor various other collateral functions.
Support and educate sales people on compiling credit applications
Continuous improvement of the quality of applications submitted to credit
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
Work with the credit department to improve processes
Take ownership of approved facilities, monitor drawdown and availability of facilities
Prepare reports that include the degree of risk involved in extending credit or lending moneyGenerate financial ratios, using computer programs, to evaluate customers' financial status
Build relationships with customers - internal and external.
Collection of financial information from internal and external clients
Gathering information about clients
Determine credit worthiness of applicants
Evaluate customer records and recommend payment plans based on earnings, savings data, payment history and purchase activity
Consult with customers to resolve complaints and verify financial and credit transactions.
Build relationships with internal stakeholders by attending meetings and supporting their strategies
Contribute to external client satisfaction by sharing knowledge and developing skills of client service team members and other [URL Removed] the achievement of SLA standards by understanding client needs; providing guidance and recommendations and responding timeously.
Process and assess Credit Applications - New and reviews
Manage reviews and drive process
Assess credit risk and establish credit limits
Review existing portfolio to ensure alignment with Bank's credit policy and to identify cross-sell opportunities by gathering and analyzing relevant information
Manage collateral requirements
Various reporting functions
Support function to other departments
General credit administration.
Helping enhance the quality of credit applications
Using credit-scoring systems for small credit amounts
Keeping company credit exposures within set risk bearing limits
Undertaking risk analysis by developing statistical models
Complete a thorough, in-depth analysis of new credit requests, credit change requests, renewals and annual relationship reviews.
Recommend risk rating changes when analysis merits
Ensure that all credit files are complete, identify any documentation deficiencies, and report to credit administration as needed for timely solutionMaintain a good working knowledge of the Bank's lending policies and procedures and identify exceptions to policy.
Finance knowledge and ability to read financial statements
Ability to work under pressure
Verbal And Written Communication
Ability to read financial statement
Attention to detail
work under pressure
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