Client Banking Analyst / Investment Analyst - Polokwane

SUMMARY:
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POSITION INFO:

MAIN PURPOSE OF THE JOB

• To work closely with the Relationship Manager and Provincial Head to package the credit submission documents for Credit Committees.
• To act as consolidator of inputs from team members in the development of the business case for loan applications – inclusive of working on a team-basis with members of the team in the Provincial Office and the Credit Analysts in the Risk Management Division.
• Financial Modelling, Analysis & Deal structuring.
• To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
  o The business case
  o Financial statements – inclusive of cash flow projections
  o Risk Considerations and Mitigation thereof
  o Security and Collateral
  o Development, Social and Environmental Impact considerations
• To provide a first level quality assurance function on the applicable policies and procedures related to the transaction under consideration.
• To provide first level quality assurance across key systems used by business such as SAP,CRM and Acceleris.

Preferred Minimum Education and Experience

• BTech in Credit or Risk Management or - Undergraduate Degree in Commercial / Business Sciences / Risk Management / Investment Management.
• Post qualification experience which will typically include the following: 3 to 5 Years
  - Experience as a Credit Analyst, or relevant credit / lending assessment experience in a commercial or corporate banking environment
  - Experience in a Financial Services Lending environment
  - Relationship management experience in a customer facing environment - within an agricultural environment an advantage

Critical Competencies

• Computer
• Communication
• Financial Principles
• Interpersonal
• Reporting
• Planning
• Analytical
• Time Management

Additional Requirements

• Extended hours as and when required
• Valid driver’s license
• Travel as and when required