Credit Risk Analyst (Mpumalanga)

The Credit Risk Analyst is responsible for reducing the impairment charge and minimising credit risk for the bank by following the credit collections process while considering client satisfaction and retention.Manage client expectations by operating within the specified parameters (outbound and inbound calls) and Service Level Agreements (SLA).Build and maintain effective internal and external client relationships by advising on credit and application process and training product knowledge.Provide feedback to clients by responding to requests and queries timeously, prepare facility letters.Suggest alternative funding solutions by making recommendations for alternate credit applications or products.Mitigate credit risk by downloading and actioning daily excess reports and monthly risk management reports.Ensure compliance to legislation by making recommendations based on the credit policy guidelines.Validate client and supporting information / security.Monitor Credit Management Information System (CMIS) by requesting updated information from external parties.Analyse credit applications by assessing serviceability of the funding applied for and client behaviour.Eliminate impairments and credit loss ratio by assessing client behaviour on the account and taking the required actions.Conduct risk assessment of client credit by adhering to the prescribed mandate and credit policy.Evaluate affordability and credit risk by conducting a financial analysis (e.g. Excel, Moody''s ratings, BASEL Committee ratings).Qualifications and Experience required:Matric + relevant Diploma3 years experience in Credit Assessment (2 years in a credit control/ risk management environment)Technical: credit and collections exposure, credit management principles, client service principles, administrationBehaviour traits: collaborative, good communicator, client service oriented, organised and detail oriented.This credit risk analyst role may be based in Mpumalanga province or Limpopo province. Several locations within these provinces may be considered.
Nelspruit, MP, ZA