Overview
Junior Credit Analyst Jobs in Sandton, South Africa at Core Group
iStore is the home of everything Apple, and Africa’s largest Apple Premium Reseller. With a retail footprint of more than 33 physical and online stores across Africa that provide expert advice, Apple Authorised Repairs, Business, Education, training and technical support for anything and everything Apple.
Purpose:
To provide quantitative and qualitative assessments of the current and forecast
financial strength of a portfolio of Business to Customer and Business to Business clients with
the aim to identify portfolio related credit risks.
What We Offer –
Exceptional growth opportunity within an Entrepreneurial Business Unit
Join a diverse team of passionate individuals and work with the world’s top brands every day
Fun and challenging environment that promises to expand and grow your skill set
Responsibilities
:
Manage lending limits
Conduct credit reviews and credit approvals
Manage the customer database and provide input regarding limits, ratings, Loss Given Default (LGD)
Suggest risk mitigating measures for our consumer finance products in line with the risk philosophy of the Company
Manage credit risk appetite (limits) by scrutinizing current portfolio exposures
Keep portfolio current by reviewing at least once in a 12-month period
Identify transaction specific risks including credit, taxation, accounting and legal
Document findings and report to the credit committee
Act as a bridge between risk and business on contentious issues
Remain objective and present both arguments and pros and cons
Forecast and analyse financials and collate and model data (where required)
Participate in meetings with senior stakeholders
Project management i.e. track progress, manage expectations and ensure stakeholders’ requirements are delivered
Behavioural Competencies
Build and maintain professional working relationships with all stakeholders, displaying excellent abilities to initiate dialogue, listen, advise, influence and negotiate to achieve win-win outcomes
Preserves relationships despite airing conflicting views and seeks mutual gains when addressing conflicts
Anticipates consequences and adapts problem solving based on continual feedback
Act speedily to resolve problems, queries and complaints
Adapt communication styles to meet the needs of different audiences
Plan and manage own workflow, anticipating obstacles, juggling priorities and following through on objectives within agreed time-frames and according to quality standards
Stay relevant and up-to-date with legislations and new development
Maintain a positive attitude and respond openly to feedback
Able to work in a fast-paced, constantly evolving environment whilst juggling multiple tasks
Take ownership of personal career development, leveraging formal and informal opportunities
Act in an ethical, transparent and morally defensible manner, including highlighting unethical practices
Continually share, debate and communicate learnings
Qualifications & Experience:
Ideally Bachelor’s degree in Finance, Economics or related field
Ability to query, interpret, and present complex data clearly to support decision-making processes.
Minimum 2-3 years’ experience in credit risk analysis in the retail/banking environment, with comprehensive knowledge across the credit lifecycle
Proven experience of successfully managing a team of credit analysts.
Detail-oriented and able to work independently
At Core Group, we value the power of in-person collaboration in driving innovation, teamwork, and excellence. To support this, we have transitioned back to a full-time office environment. This approach enables us to cultivate a dynamic and engaging workplace where our teams can connect, collaborate effectively, and achieve outstanding results together.
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Title: Junior Credit Analyst
Company: Core Group
Location: Sandton, South Africa
Category: Finance & Banking (Risk Manager/Analyst, Financial Analyst)
