Position Summary:
Assessment and evaluation of lending applications for clients (individuals and businesses) based on sound credit risk and affordability assessments, financial principles and credit policies which will support growth of the asset book of the bank and manage credit losses by ensuring sound lending credit principles are applied at all times and that lending is within the Bank’s risk appetite parameters. This will include the spectrum of lending products available to all segments of clients including Personal, Enterprise, Entrepreneur, Business including specialised lending, trade finance, debtors finance, commercial property finance, agriculture and others. Support business partners in understanding and meeting client lending needs. The jobholder may operate in one or more of the segments as required by business needs. Including but not limited to Credit evaluations, Client Engagement, Credit Risk and Account Management, Training and mentoring, Management information, Stakeholder management, Project management.
Required Education & Experience:
- 3-4 Years Experience in intuitive credit assessment and decisioning in relevant segment and products (i.e. across business, entrepreneur, lifestyle and personal). Thorough knowledge and understanding of financial statements. Knowledge and understanding of repayment structures, collateral and collection processes within the banking environment. Understanding of legalities associated with lending and collateral.
- Other Minimum Qualifications, Certifications or Professional Memberships: B/Comm Accounting or Financial Management Degree or relevant Agricultural Degree or Credit Diploma or other relevant credit training.
- Type of Qualification: First Degree
- Field of Study: Business Commerce/Finance and Accounting