Job Description

• Analyses credit data to estimate degree of risk in extending credit or lending money. Consults with management to assist in corporate planning
• Achieve year on year Total Consumer Revenue Growth as per the Branch Financial Performance Report for your Customer Portfolio
• Manage costs / expenses within approved budget to achieve cost efficiencies Deliver exceptional Credit service that exceeds customers’ expectations through proactive, innovative and appropriate solutions
• Assist internal sales partners with credit decisions and application of the credit policy.
• Build and maintain relationships with internal business partners
• Maintenance of expert knowledge on relevant legislative amendments, industry best practices and provision of proactive advice and solutions to relevant stakeholders
• Responsible for maximising cross sell opportunities through credit assessment and client portfolio analysis
• Assist internal sales partners with credit decisions and application of the credit policy and build and maintain relationships with internal business partners
• Ensure average approval turnaround time against target to ensure retention of clients.
• Analyse credit data to estimate degree of risk in extending credit or lending money by accessing credit applications
• Comply with governance in terms of legislative and audit requirements
• Responsible for the returns of daily stats
• Manage personal development to increase own skills and competencies

Qualification

• Degree or Diploma in the field of credit or similar

Experience

• 4 to 5 years Credit Risk experience
• Experience in credit assessment and analysis
• Understanding of credit policies