Officer Branch Credit

Centurion - South Africa

Monthly Salary: ZAR 400 - 450

Experience Required: 4-5years

Posted on: 30+ days ago

Vacancies: 1 Vacancy

Job Summary

1. Prepare new Credit Proposals for Credit File submissions which includes:

Conducting a needs analysis vetting (ITCs and CIPCs) Financial analysis followed by affordability calculations and an Industry analysis.

Qualitative and quantitative research.

Updating client information to ensure that their profile is both up to date and accurate.

Reverting to clients should there be any queries on the above.

Drafting write ups to motivate the request and submit for approval.

2. Managing all credit-related queries. This includes but is not limited to:

Process and maintain Credit Files and all Branch memos also follow up for Company Financials.

Rate Clearance Certificates Valuation Reports and Financial Rating.

Answering queries related to the Credit Department.

Making sure that all clients who are in excess of their limits either have approvals and/or all clients are notified when their accounts/loans are overdue.

Ensuring that all insurance policies are current.

Ensuring that all valuations are current.

Ensuring that all rate statements are current.

Ensuring that all security documents are in order and the special conditions are complied with.

Issuing of Guarantees bank audit confirmations client queries negotiations etc.

Ensure all records are kept in order as per the Banks policies.

Undertake specific ad-hoc projects/assignments from time to time as directed by the line manager.

Requirements

Relevant Bachelors Degree (BCom BCom Honours in Banking etc).

Minimum of 5 years banking experience specialising in credit.

Ensure all activities are completed within timescales and with high degree of accuracy whilst providing excellent service and adhering to all appropriate processes and procedures.

Building and maintaining positive client relationships.

Required Skills:

- Relevant Bachelors Degree (BCom BCom Honours in Banking etc). - Minimum of 5 years banking experience specialising in credit. - Ensure all activities are completed within timescales and with high degree of accuracy whilst providing excellent service and adhering to all appropriate processes and procedures. - Building and maintaining positive client relationships.

1. Prepare new Credit Proposals for Credit File submissions which includes: Conducting a needs analysis vetting (ITCs and CIPCs) Financial analysis followed by affordability calculations and an Industry analysis. Qualitative and quantitative research. Updating client information to ensure t...