Commercial Credit Analyst
Commercial Credit Analyst
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1 Vacancy
Job Description
Job title: Commercial Credit Analyst
Reporting to: Credit Team Lead
Location: Cape Town
ALL STAFF APPOINTMENTS WILL BE MADE WITH DUE CONSIDERATION OF THE COMPANYS EE TARGETS
WHAT WE DO
Lula is an innovative and humanfocused FinTech company on a mission to help small businesses optimise their cash flow. Our purpose is to help SMEs manage their businesses better faster and more simply so they can spend more time doing what they love.
If youre looking for a new place to call home that believes in the potential of the broader SME landscape in South Africa and a place where youll work with awesome people then Lulas the place for you!
Were making business banking fast human Lula!
OUR VALUES
Collaborative were a clan and work together as a team always towards a common goal
Committed were accountable and follow through no matter the challenge
Curious we look for better ways to do things and make a positive difference
Connected we stay close to learn from and look to understand each other and our customers
Compassionate we go out of our way to care about our colleagues our customers and our community
OVERALL PURPOSE
This is a fantastic opportunity for a Graduate looking to work in a growing fintech business. The Commercial Credit Analyst position looks after our credit underwriting process and relies on a combination of analytical and numerical knowhow as well as the ability to liaise and deal with customers regularly.
Responsibilities include but are not limited to:
- Engaging with clients to verify their financial/credit transactions business performance and request additional information where need be
- Evaluating clients credit data and financial data in order to determine the degree of risk involved in lending money to them
- Preparing notes about the degree of risk in lending money to clients
- Analysing client records and using the data to recommend outcomes
- Evaluating the financial status of clients by interpreting financial ratios produced by proprietary programs
- Helping supply chain and Sales and Marketing departments in managing financial orders to help them control credit exposure
- Understanding the lending platform in its entirety with special focus on the origination module
- Working closely with the Head of Credit Underwriting and Credit Team Leader on issue escalation ensuring customer problems are tracked resolved and followedup on
- Using ideas and solutions to meet customer needs ensuring that their expressed and underlying needs are satisfied
- Understanding and keeping up to date on the latest technology developments and technical issues affecting your accounts
- Running other key operational tasks linked to the monitoring of the portfolio on book on a regular basis
- Any other adhoc projects required to assist the team
THE SKILLS AND EXPERIENCE WERE LOOKING FOR
- Matric/ grade 12 certificate or equivalent achieved
- Completed finance/ accounting/ economics degree or equivalent
- Ideally you will have some commercial/SME credit experience
- Strong numeracy abilities
- Passionate about delivering customer experience above and beyond customer expectations
THE COMPETENCIES WERE AFTER
- Excellent problemsolving skills
- Highly organised with strong attention to detail
- Excellent influencing skills
- Resilience
- Funloving teamplayer you enjoy helping your team members out and will step up to assist even when your work is done
- Startup mentality you understand we are all in this together
Please note that all appointments are subject to our background checking process which may include Credit Criminal and any other job inherent checks
Required Experience:
IC
Employment Type
Full-Time
