Job Summary
Credit Analyst (Retail)
Hire Resolve is seeking a skilled and analytical Credit Analyst (Retail) to join a respected retail banking group at their Head Office in Durban, KwaZulu-Natal. Reporting to the Credit Division, this permanent role supports executive credit committees by assessing finance applications, evaluating residential property valuations, conducting credit risk ratings, and ensuring full compliance with statutory credit regulations.
Key Performance Areas:
Credit Vetting & Risk Assessment: Review and analyze finance applications within Senior Management Credit Committee (SMCC) and Management Credit Committee (MCC) mandates, evaluating creditworthiness and compliance with the National Credit Act (NCA) and internal credit policies.
Systems Processing & Rating: Capture, extract, and analyze information on the Credit Lens System and Apply for Finance Platform to determine accurate credit ratings and drive timeous decision-making.
Valuation & Collateral Review: Review residential property valuations and templates to assess collateral adequacy, identifying potential risk areas or administrative issues.
Committee Administration & Reporting: Vett revolving trade and asset facilities, record Executive Credit Committee (ECC) minutes, and prepare quarterly submissions for the Board Credit Committee (BCC).
Audit & Compliance Support: Liaise with internal/external auditors on information requests, maintain audit logs, and compile documentation required for the Financial Sector Charter (FSC) BEE scoring.
Credit Awareness & Training: Conduct regular Credit Awareness Sessions across the branch network to communicate changes in credit policies and regulatory procedures.
Minimum Requirements:
Education: Bachelor of Commerce (BCom) Degree in Accounting or Finance.
Experience: Minimum of 2 years’ experience in the banking industry, specifically within credit risk analysis or accounting.
Technical Knowledge: Hands-on experience with Credit Lens System, Apply for Finance Platform, and core banking platforms (such as iMal). Advanced proficiency in MS Office (Excel, Word, PowerPoint).
Regulatory Expertise: Comprehensive understanding of the National Credit Act (NCA), Companies Act, credit risk evaluation, and financial statement analysis
Position Details:
Location: Durban, KwaZulu-Natal (Head Office).
Remuneration: Market-Related.
Position Type: Skilled, Permanent.
Contact Hire Resolve for your next career-changing move.
Our client is offering a highly competitive salary for this role based on experience.
Apply for this role today, contact Lidene Pienaar at Hire Resolve or on LinkedIn.
You can also visit the Hire Resolve website: www.hireresolve.co.za or email us your CV: lidene.pienaar@hireresolve.us
We will contact you telephonically in 3 days should you be suitable for this vacancy. If you are not suitable, we will put your CV on file and contact you regarding any future vacancies that arise.
About
Specialists in Civil, Structural, Mechanical Engineering, Information Technology, Mining, Manufacturing and Finance Careers! Hire Resolve is one of the larger and more agile South African recruitment companies that focus on placing professionals and skilled people in permanent employment and contract employment. We prefer and focus on working with top quality professionals and candidates in South Africa and Africa. Hire Resolve has successfully placed Engineering, Mining, IT, Manufacturing and Finance professionals with top firms across the Western Cape, Eastern Cape, KwaZulu Natal, Gauteng and in Africa. Hire Resolve has assisted candidates to find jobs at over 100 JSE listed companies of which many are global companies with offices and operations in South Africa and Africa. It is for this reason that we are well respected in the industries we operate in and in the recruitment industry.
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