CREDIT ANALYST - HEAD OFFICE - DURBAN

 MAIN FUNCTUONS OF THE JOB

PRE-VETTING APPLICATIONS

• Review and analyse finance applications within the mandates of Executive Credit Committee (ECC), Senior Management Credit Committee (SMCC), and Management Credit Committee (MCC).
• Assess credit risks, ensure compliance with regulatory and internal policies, and make recommendations for management approval.
• Board Credit Committee (BCC) Submissions: Prepare and submit applications to the BCC and Board of Directors (BOD) for approval.
• Compile necessary documentation and ensure all queries are addressed promptly.
• Assess valuations received from branches
• Attendance at EC

PROJECTS

• Involved with credit related projects.

INTERNAL & EXTERNAL AUDITORS

• Coordinate with internal and external auditors, providing necessary information and addressing audit queries promptly.
• Prepare submissions for audits and ensure compliance with audit recommendations.

REPORTING

• Preparation of reports to Board Credit Committee.
• Ensure accuracy and completeness of reports.
• Prepare adhoc reports to respective committees when required

CREDIT AWARENESS TRAINING

• Conduct credit awareness sessions and training for sales and credit staff on amended regulations, internal policies, and procedures.

QUALIFICATIONS

• A Bachelor of Commerce degree in Accounting or Finance

EXPERIENCE

• At least 2 years’ experience in the Banking industry, specifically with Credit / Accounting experience.

KNOWLEDGE

• Proficient in MS Excel, Word, PowerPoint
• Imal
• PowerBI
• Credit policies and procedures
• National Credit Act
• All Credit related legislation
• Credit risk and financial statement analysis

Al Baraka Bank is an Equal Opportunity Employer. Applicants from the previously disadvantaged groups and people with disabilities will be given preference.