Credit Risk Analyst

SUMMARY:
Join a mission-driven fintech in Centurion that empowers small businesses with fast, accessible funding through a free online lending platform. As a Credit Risk Analyst, you’ll assess applications, manage portfolio risk, and help deliver bankable solutions in the unsecured and asset-based finance space.

POSITION INFO:
Duties & Responsibilities

• Ensure that all relevant information and documentation has been received from the operations as per the agreed checklist
• Assess credit worthiness of applicants (mortgage and other credit products) through undertaking detailed risk assessment analysis
• Manage and perform quality credit analysis; financial analysis, including data collection, trend analysis, peer comparisons and industry overview to ensure good quality credit submissions to Credit Manager and/or external funders.
• Motivate and support decisions through the analysis of financial information
• Promote a culture of credit risk management in the group of companies
• Take remedial action on all audit findings and ensure that issues are resolved or addressed
• Participate in the review of Credit Policies and procedures.
• Ensure that procedures and decisions comply with credit policy, regulations and best practice standards
• Provide quality service to internal customers
• Liaise with other stakeholders within the company
• Staying abreast with Legal, compliance and market
• Provide regular feedback on the submission of loan applications to manage

• 3 year Tertiary Qualification (BCom) - Majors Accounting; Economics
• 3 years Relevant credit assessment experience
• Thorough knowledge of the - NCA, CPA, FICA and related credit regulatory requirements
• Good interpersonal skills
• Good written and verbal communication skills
• Ability to work under pressure
• Excellent Time Management
• Attention to detail and strong proven credit/financial analytical skill including