Credit Analyst - Guateng at Core Group

Responsibilities:

• Manage lending limits
• Manage the customer database and provide input regarding limits, ratings, Loss Given Default (LGD)
• Suggest risk mitigating measures for our consumer finance products in line with the risk philosophy of the Company
• Manage credit risk appetite (limits) by scrutinising current portfolio exposures
• Keep portfolio current by reviewing at least once in a 12-month period
• Identify transaction specific risks including credit, taxation, accounting and legal
• Document findings and report to the credit committee
• Act as a bridge between risk and business on contentious issues
• Remain objective and present both arguments and pros and cons
• Forecast and analyse financials and collate and model data (where required)
• Participate in meetings with senior stakeholders
• Project management i.e. track progress, manage expectations and ensure stakeholders’ requirements are delivered

Behavioural Competencies:

• Build and maintain professional working relationships with all stakeholders, displaying excellent abilities to initiate dialogue, listen, advise, influence and negotiate to achieve win-win outcomes
• Preserves relationships despite airing conflicting views and seeks mutual gains when addressing conflicts
• Anticipates consequences and adapts problem solving based on continual feedback
• Act speedily to resolve problems, queries and complaints
• Adapt communication styles to meet the needs of different audiences
• Plan and manage own workflow, anticipating obstacles, juggling priorities and following through on objectives within agreed time-frames and according to quality standards
• Stay relevant and up-to-date with legislation and new development
• Maintain a positive attitude and respond openly to feedback
• Able to work in a fast-paced, constantly evolving environment whilst juggling multiple tasks
• Take ownership of personal career development, leveraging formal and informal opportunities
• Act in an ethical, transparent and morally defensible manner, including highlighting unethical practices
• Continually share, debate and communicate learning

Qualifications & Experience:

• Ideally CA (SA) or CFA or B.Com (Honours) equivalent with relevant Credit Analyst experience within the B2C and B2B space in the retail sector