Credit Analyst (Level 1) at Senwes

Handling of all portfolio client credit applications:

• Collate, prepare, and file documentation, including supporting application documents (e.g., bank confirmations, HP balances), FICA & KYC documents, and security documents.
• Compile final packs for account creation and track approval outcomes.
• Review applications and supporting documents for accuracy.
• Analyse and interpret financial statements, compare with previous years, and question any abnormalities.
• Confirm grain deliveries, input norms, yields, prices, and cash flow assumptions, and review cash flow.
• Verify security values and ensure adherence to policy.
• Propose and discuss changes with MAF, resolving any issues.
• Provide timely feedback to the Assistant Credit Manager, Credit Manager, and MAF on the status of credit applications.
• Handle interim and additional applications as needed.

Collection of debt and payments:

• Telephonic enquiries and arrangements with clients with regards to debt collection and payments on all accounts.
• Confirm client arrangements and update SAP notes.
• Allocation of payments, collections and payment of grain income.
• Early identification of accounts in dispute and/or arrears and possible carry over debt and reporting.
• Prepare accounts for transfer to Legal department.
• Issue final demand letters.

Provide administrative support:

• Issue instruction for registering cancellation or rearrangement of securities and sessions.

Credit limit management

• Follow-up of extensions requested.
• Follow-up on approval conditions for opening of facilities.
• Arrange for opening up/availability of credit limits.
• Downward adjustment of limits where payments/deliveries received.
• Monitor approved clients without grain sessions (Voluit betalers).
• Handling of (estate late) accounts
• Administration and management of Grain Financing accounts (100% responsibility).

Client liaison

• Liaison with portfolio clients on all application related matters as and when required during processes.
• Discuss outcome of application with client on request of MAF or if MAF is not available.
• Always maintain healthy relationship with clients.
• Monitor utilisation of credit facilities and follow up with relevant parties.
• Monitor and explain exceeding of credit limits with clients.

JOB REQUIREMENTS 

• Qualifications: Relevant Bcom degree
• Requirements: At least 1-year relevant credit experience