Credit Liaison Officer at Senwes

Job Description

• Senwes is looking for a detail oriented and proactive Credit Liaison Officer to join our team. This role involves assessing and managing agricultural credit applications, ensuring sound credit risk management, regulatory compliance, and strong client relationships. You will work closely with the Credit Manager to balance commercial opportunities with responsible lending practices, maintaining portfolio quality and enhancing client satisfaction.

Credit Application Processing

• Capture new credit applications directly from clients for evaluation and processing
• Coordinate onboarding of new debtors for credit facility setup
• Analyse and interpret financial statements, identifying year-on-year trends and potential risks
• Compile, verify, and prepare complete credit application packs, ensuring FICA, KYC, and POPIA compliance
• Conduct credit risk assessments using approved tools (e.g., TransUnion, WINDeed, ZCI)
• Evaluate cash flows, input norms, yield assumptions, and security requirements
• Collaborate with credit evaluation teams to finalize applications and provide recommendations
• Track application approvals and ensure all conditions for facility activation are met
• Receive and compile client credit applications, ensuring accuracy and completeness
• Accurately capture application details and supporting documents in internal systems
• Forward completed applications to the credit evaluation team for review and approval
• Register clients, create profiles, and prepare documentation for client discussions and signing
• Follow up on outstanding documents to ensure compliance and timely activation of credit limits

 Client Liaison and Relationship Management:

• Communicate credit application progress and approval outcomes to clients in a timely and transparent manner
• Conduct initial interviews with credit applicants, verifying key information to finalize applications based on business history and future needs
• Address and resolve client inquiries promptly to ensure effective communication and ongoing support
• Discuss credit decisions, facility terms, and utilization details with clients to ensure clarity and alignment
• Guide clients in understanding their financial responsibilities and compliance obligations
• Collaborate with internal departments to ensure seamless credit operations and enhance customer satisfaction
• Maintain accurate records of client interactions, document submissions, and application status updates
• Uphold a high standard of client-centric service in all interactions

 Optimisation of business and credit portfolio:

• Consult with internal teams and external clients to understand credit needs and structure appropriate portfolio solutions
• Advise clients on the most suitable credit facilities aligned with their enterprise goals
• Collaborate with key stakeholders to define and deliver optimal service propositions
• Manage credit limits, including:
• Following up on payment extension requests and negotiating arrears
• Facilitating temporary and permanent credit limit increase requests from clients or branches
• Ensuring all approval conditions for facility activation are met
• Monitor and enforce compliance with client-specific credit conditions
• Provide strategic insights on trends and developments within the managed credit portfolio
• Stay informed on industry risks, regulatory changes, and evolving credit product offering

Administration and Portfolio Support:

• Maintain accurate and up-to-date records of credit portfolios, including limits, securities, client data, and project progress
• Initiate and manage instructions for the registration, cancellation, or adjustment of securities and cessions
• Provide guidance and coordinate administrative processes to support the credit back-office team
• Prepare clear and concise reports, summaries, and updates to support management decision-making
• Ensure accurate data management and compliance with regulatory requirements within the credit administration function
• Perform daily administrative tasks essential to effective portfolio management

Job Requirements

• Microsoft office (Excel & Word)
• 1–3 years of relevant experience in agriculture, credit, or portfolio management is required, with proven skills in financial statement analysis, client liaison, and credit administration considered an added advantage.

Qualifications:

• A relevant BCom degree, preferably in Agricultural Economics, Finance, or Risk Management is required, with a post-matric qualification in Credit Management or Agricultural Finance considered an added advantage.