Unique Personnel boasts over 40 years (established in 1970) of personnel and staffing experience, so it's not surprising that even though our main focus has been providing on South African Staffing Solutions, we now recruit internationally for over 5000 clients
The Credit Analyst forms part of a credit team that is responsible for the effective growth, management and profitability of the bank’s advance book portfolio allocated to the team. Figures Affected by the Role (KPIs) Quantitative Operational effectiveness incorporating growth and quality of lending book, internal processes and control of operational cost Qualitative Service quality via turnaround times, training and guidance Relationship building Administration / returns CREDIT RECOMMENDATION AND APPROVAL – 15ersonal to holder mandate as communicated in writing by Chief Risk Officer and Head: Credit Credit committee invitee in absence of Credit Manager Ensuring that the risk rating (RM3) and debt service cover ratio (DSCR) calculations plus all other supporting documentation submitted with a credit proposal is in order. CREDIT MAINTENANCE – 40 aily exception reports Loan arrear reports Group reports Joint responsibility for correctness of the bank’s collateral incorporating facility and quotation documentation Limit management and review Risk grading incorporating capture and checking on rm3 model Ensuring that the correct risk grading is captured across all systems. Effective and timely communication OPERATIONAL / ADMINISTRATIVE – 40anagement of turnaround times within service level agreement Ensure accurate and timely provision of information to the manager: credit operations for reporting to regulators, external auditors, finance department, executive and board Ensure all items on credit system are actioned timeously Ensure correctness of security quoted and receipt of supporting documentation for all proposals submitted on credit system Provide a meaningful recommendation on proposals submitted within recommendation mandate as advised by credit manager from time to time Ensuring risk based pricing Ensuring adherence to all terms and conditions of sanction Timely receipt and analysis of debtor schedules and management accounts Monitoring of watch list accounts Loan account opening incorporating correctness of grids and fee recovery Control of forex linked facilities Preparation of agendas and packs for credit meetings Advances file maintenance and adherence to credit file naming conventions Ensuring correctness of executive summary where necessary Performing of any adhoc duty assigned by head: credit senior manager: credit or credit manager. STRATEGIC OBJECTIVES – 5 s communicated via the Chief Risk Officer and Head: Credit Growth and maintenance of the bank’s asset book. Ensuring adherence to the bank’s credit manual as well as all manuals relating to the effective operating of the credit process in the bank Continuously improve on the competence of staff in the Credit Department in order to ensure the effective meeting of service level agreements with sales counterparts Internal: Sales team, Product, Operations, Local and Senior Credit Committees External: Customers, Attorneys, Valuators. Academic Knowledge: Matric with further studies preferably a Bachelor’s Degree Work Experience: 3 years’ experience in lending field Skills / Specialized Know How: : Knowledge of laws and regulations impacting on lending such as Company’s Act, Insolvency Act, National Credit Act, Consumer Protection Act. Ability to read and interpret financial statements. Competencies: good communication skills, people skills, problem solving, negotiation and assertive skills.