Credit Analyst - Head Office Durban (Kwazulu Natal) at Al Baraka Bank South Africa

MAIN FUNCTION OF THE ROLE

 Pre-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 

• Involved with credit related projects.

 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.

REPORTING

• Preparation of reports to Board Credit Committee.
• Ensure accuracy and completeness of reports.
• Ensure that book debts are submitted timeously from Branches

Credit Awareness and Training: 

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

Requirements

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.