To provide subject matter expertise and apply specialist deal structuring knowledge in the preparation and submission of quality credit applications. Lead the establishment of a positive & seamless client credit experience by ensuring the Credit Origination delivery of quality credit applications and aid the Relationship Managers & Service Teams to successfully conclude new transactions timeously.
- Bachelor of Commerce Degree in Quantitative Finance, Accounting, Mathematics, Finance or related
- Completed Articles will be advantageous
Experience:
3-5 years:
- Experience in general banking i.e. products and processes.
- Experience in credit risk analysis and preparation of credit papers for Enterprise Direct clients, with particular emphasis on simplification of credit scoring and digitisation to analyse the cash flows and leverage lending deals.
- Sound experience in and knowledge of credit and compliance matters.
Behavioural Competencies:
- Challenging Ideas
- Convincing People
- Directing People
- Examining Information
- Exploring Possibilities
Technical Competencies:
- Customer Understanding (Business Banking)
- Economic Capital Management
- Financial Acumen
- Process Governance
- Risk/ Reward Thinking
Key Impact Areas:
- Perform desktop and market research on potential clients, competitors, industry trends, opportunities and threats and present findings to various stakeholders to influence decision-making.
- Provide subject matter expertise and apply specialist deal structuring knowledge in the preparation and submission of quality credit applications to successfully conclude new transactions timeously and achieve all metrics.
- Conduct thorough financial analysis to determine credit repayment ability and creditworthiness whilst assessing and testing the transactional model and applying appropriate stresses.
- Stay up to date with industry regulations and compliance requirements to ensure adherence to all relevant laws and regulations. Attend industry-specific workshops and seminars and present any changes in legislation to business stakeholders.
- Identify risks and mitigants in transactions and provide guidance and recommendations to customers regarding credit application options and terms.