Credit / Loan Analyst


We're looking for a candidate to fill this position in an exciting company.The ideal candidate is energetic & hard-working, possesses strong relationship building/sales development skills, the ability to communicate financial concepts in simplistic terminology, analytical skills, good time management skills, good planning and organisational skills and strong admin skills. Loan origination Review and evaluates loan applications and documentation for completeness.Preparing, reviewing, and analysing the creditworthiness of all business loan originations and refinances by completing a credit scorecard.Review of the financial status of the client by interpreting financial statements and SARS documentation.Request additional information and follow up outstanding applications.Engaging with clients (telephonically and written) throughout the loan origination journey.Creating loan quotes and proposals in conjunction with the credit and legal team.Determine loan pricing, repayment mechanisms and terms (in consultation with credit team).Providing professional customer service, through quick turn-around time and effective communication, whilst adhering to the lending guidelines and practices.Contribute to the achievement of monthly business targets. Administrative duties "Pipeline management" from origination through to close.Post-close due diligence to ensure the loan is documented as approved and is in compliance with business/credit rules, relevant regulations, and internal policies and guidelines.Deal with refinancing requests.Obtain and file copies of loan applicants' credit history, corporate financial statements, and other financial information.Constantly reviewing and improving the origination and lending process in order maintain highest level of efficiency, and ability to allocate more time to origination and business development. Compliance Operate in compliance with laws and regulations and adhere to lending compliance guidelines. Qualifications: Accounting or business qualification (will consider comparable experience)5 years of work experience in loan origination/administrationFamiliarity with loan administration, accounting and banking applications/softwareFinancial/accounting skills with the ability to understand and interpret financial statements, historical trends, budgets, projections, management performance, industry and cash flow information. Additional Requirements: Strong analytical skills (data analyses)Excellent excel skills (pivots, lookups).Strong administrative skills.Solid understanding of lending products and practicesNegotiation skillsStrong project management - planning, organisational & time managementExcellent written and verbal communication and interpersonal skillsExtremely well organized with the ability to effectively multi-task and calmly handle diverse workloads while maintaining a positive customer-focused attitudeDeadline driven (sense of urgency) at all timesProblem solvingCustomer satisfaction orientation and sales competenciesAbility to work in a goal-oriented environmentResourceful and the ability to take initiativeAbility to work in a team and support sub-teams
Posted
05/05/2022
Location
Cape Town, WC, ZA