Credit Analyst – AFA

AFA Vacancies – Credit Analyst

As a Credit Analyst, your primary role revolves around meticulously reviewing Financial Analyses (FINAN) for accuracy and completeness, aligning them with the financial data provided by frontline sales teams. These analyses vary from straightforward client structures to intricate group or consolidated financial statements.

Additionally, you’ll support the Business Banking Credit team in ensuring the submission of high-quality credit applications, especially for cases necessitating advanced financial scrutiny, primarily related to clients utilizing trade and debtor finance facilities. Timely review and approval of FINANs, adherence to Service Level Agreements (SLAs), and effectively managing workflow are crucial aspects of this role.

Key Performance Indicators:

1. Oversee the FINAN review process, ensuring:
   • Standardized format and consistent application of guidelines.
   • Realistic representation from a banking perspective.
   • Inclusion of all pertinent financial information.
2. Provide assistance to Credit and Sales teams, fostering effective communication and stakeholder management.
3. Engage in continuous stakeholder interaction to bolster relationships between sales and credit.
4. Evaluate and recommend enhancements to the FINAN capture and review process.
5. Offer guidance to Sales during the credit application process and provide necessary mentoring or training on FINAN completion.
6. Maintain the application tracker and compile minutes of internal credit meetings.

Accountabilities:

• Review and approve FINANs across various financial products and services.
• Assess the completeness and value-addition of Notes to FINANs.
• Support the Credit team in ensuring high-quality applications and routine portfolio administration.
• Keep the Sales team informed about Credit Analyst responsibilities.
• Provide financial commentary and guidance to aid Credit in their assessments.
• Capture Annual Financial Statements on FINANs when necessary.
• Fulfill ad hoc duties as assigned.

Skills/Personal Attributes:

• 3-5 years’ experience in credit application compilation or assessment.
• Proficiency in financial statement analysis for reviewing and approving FINANs.
• Ability to provide valuable commentary on FINANs.
• Aptitude for offering feedback and training to FINAN preparers.
• Capacity to thrive in high-pressure environments with heavy workloads.
• Advanced proficiency in Microsoft Office, particularly MS Excel.
• Excellent interpersonal, communication, and conflict management skills.
• Competent in engaging with management, senior management, and clients on financial matters.
• Self-management and independence in work approach.
• Strong administrative skills, particularly in distributing work to resources for FINAN review.
• Customer-centric with a solution-oriented mindset.
• Ability to influence others to achieve desired outcomes.

Education:

• Bachelor of Commerce or similar qualification.