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  • Posted: Feb 14, 2020
    Deadline: Not specified
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    Credit Guarantee Insurance Corporation of Africa Limited is a South African underwriting company that has been excelling in the field of domestic and export credit insurance. Furthermore, we also provide various surety & bonds solutions. Our forte lies in the ability to secure relevant and vital information incorporated with market intelligence, as a too...
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    Special Risk Officer

    Purpose of the Job

    The incumbent will act as support to the Senior Manager Special Risk. The main function is to manage high risk buyers, obtain and analyse information received on buyers from various sources, such as buyer visits, industry meetings, media and bureaus, in order to determine the insurable risk of the buyer, which supports other business units with Credit Guarantee to underwrite the buyer accordingly.

    Critical objectives and responsibilities

    Obtain relevant information, analyse buyer information obtained from buyer reviews, industry meetings and other relevant information to minimise risk.

    • Balance Sheet Analysis
    • Interpretation of Financial Statements
    • Prepare reports
    • Buyer risk reviews, credit committee reviews, buyer visits, industry meetings & various administrative tasks.
    • Making recommendations and amendments on the buyer database
    • Making recommendations at credit committee
    • Convey complex credit risk information to the Board, senior management and key external stakeholders at the right time to create an understanding on how to effectively manage credit risks and decision making.
    • Restructure – an informal/formal workout from time to time with other Lenders such as major Banks are involved and bridging finance is provided to manage the account back within guidelines.

    Continous improvement to ensure effective service

    • Ensure statutory and legislative knowledge is always current in order to resolve customer complaints, to advise the business on corrective solutions to mitigate risks and to improve the customer experience whilst complying with governance requirements.
    • Ensure adherence to organisational policies, practices and procedures.
    • Identify solutions to enhance cost effectiveness and increase operational efficiency

    Service delivery to ensure customer satisfaction

    • Maintain service, quality and desired outputs within a specific functional process through ensuring compliance to tactical policies, procedures and standards.
    • Establish productive operational relationships with key stakeholders in the various channels and administrative teams.
    • Develop work routines in line with operational plans / schedules in order to manage achievement of service delivery goals.
    • Share knowledge on, and participate in the creation of new standards, control systems and procedures to maintain service delivery.

    Cost control and governance adherence

    • Proactively ensure use of time, of resources, money, materials or equipment is in line with policies and procedures.
    • Comply with corporate governance policies, procedures and standards.
    • Operate within agreed mandates.

     Quality people practices

    • Align own behaviour with the organisation culture and values.
    • Share and transfer product, process and systems knowledge to colleagues.
    • Ensure achievement of own performance objectives.
    • Actively share information with other team members regarding successes, issues, trends and ideas.
    • Actively participate in own professional development and career path.
    • Actively promote a culture of learning and high performance culture amongst team members.

    Key required experience, qualification and skills 

    • BCOM degree Finance/Legal
    • Newly Qualified CA or articles would be preferred
    • Minimum of 3 years’ experience in credit or distressed unit
    • Report writing & presentation skills
    • Analytical Thinking & Problem Solver
    • Time management and prioritizing high volumes of work
    • English literacy and correspondence skills
    • Code 8 Drivers licence as some travel involved

    Credit Guarantee is an equal opportunity employer with a culture that embraces diversity. All qualified applicants will receive consideration for employment and will not be unfairly discriminated against on any arbitrary ground including race, sex, religion, national origin, veteran status, disability, gender identity, sexual orientation, or any other protected category.

    Appointments will be made in line with CGIC’s Employment Equity Plan.

    Method of Application

    Interested and qualified? Go to Credit Guarantee on www.linkedin.com to apply

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