Credit Analyst (Level 1) at Senwes

 Handling of all portfolio client credit applications:

• Collate, prepare, and file all required documentation, including application support documents (e.g., bank confirmations, HP balances), FICA/KYC records, and security documents
• Compile final application packs for account creation and track the outcomes of approvals
• Review credit applications and supporting documents for completeness and accuracy
• Analyse and interpret financial statements, compare with previous years, and flag any irregularities
• Confirm grain deliveries and validate input norms, yields, prices, and cash flow assumptions
• Review and verify security values, ensuring compliance with internal policies
• Recommend and discuss necessary changes with the Manager: Agriculture Finance (MAF), and resolve any issues
• Provide timely updates to the Assistant Credit Manager, Credit Manager, and MAF on the status of applications
• Manage interim and additional credit applications as required

Collection of debt and payments

• Conduct telephonic enquiries and make arrangements with clients regarding debt collection and account payments
• Confirm client payment arrangements and update notes accordingly in SAP
• Allocate incoming payments, manage collections, and process grain income disbursements
• Identify accounts in dispute, arrears, or with potential carry-over debt at an early stage, and report findings
• Prepare delinquent accounts for handover to the Legal department
• Draft and issue final demand letters to client

Provide administrative support

• Issue instructions for the registration, cancellation, or restructuring of securities and cessions

Manage credit limits, including:

• Following up on requested extensions
• Monitoring approval conditions for facility openings
• Coordinating the activation and availability of credit limits
• Adjusting limits downward based on received payments or grain deliveries
• Monitor approved clients without grain cessions
• Handle estate late accounts and ensure proper follow-up and documentation

Client liaison

• Liaise with portfolio clients on all application-related matters as needed throughout the process
• Communicate application outcomes to clients upon request from the Manager: Agriculture Finance (MAF), or in their absence
• Foster and maintain strong, professional relationships with clients at all times
• Monitor the utilization of credit facilities and follow up with relevant stakeholders
• Track and explain instances where credit limits are exceeded, engaging directly with clients to resolve issues

Requirements

• Microsoft office (Excel & Word)
• Atleast 1 year of relevant credit experience

Qualifications:

• A relevant BCom degree

Closing date: 06 Macrh 2026