Business Funding Analyst - Cape Town Region
BUSINESS FUNDING ANALYST VACANCY To originate prospective new business loan applications (analysing, review, and evaluation) and to provide customer service throughout the loan origination journey. 1. Responsibilities Loan origination: Review and evaluates loan applications and documentation for completeness. Preparing, reviewing, and analysing the creditworthiness of all business loan originations by completing a credit scorecard. Review of the financial status of the client by interpreting financial statements and SARS documentation. Request additional information and follow up outstanding applications. Engaging with clients (telephonically and written) throughout the loan origination journey. Creating loan quotes and proposals in conjunction with the credit and legal team. Determine loan pricing, repayment mechanisms and terms (in consultation with credit team). Providing professional customer service, through quick turn-around time and effective communication, whilst adhering to the lending guidelines and practices. Contribute to the achievement of monthly business targets. Administrative duties: “Pipeline management” from origination through to close. Post-close due diligence to ensure the loan is documented as approved and is in compliant with business/credit rules, relevant regulations, and internal policies and guidelines. Follow up on any non-payment. Deal with new payment plans or refinancing requests. Deal with early settlement queries. Obtain and file copies of loan applicants' credit history, corporate financial statements, and other financial information. Constantly reviewing and improving the origination and lending process in order maintain highest level of efficiency, and ability to allocate more time to origination and business development. Compliance : Operate in compliance with laws and regulations and adhere to lending compliance guidelines. 2. Role Requirements Minimum Formal Qualifications and Training: NQF Level 7 Degree in accounting or business studies or similar. Minimum Work Experience: 5 years of work experience in loan origination/administration Familiarity with loan administration, accounting and banking applications/software is preferred. Financial/accounting skills with the ability to understand and interpret financial statements, historical trends, budgets, projections, management performance, industry, and cash flow information. Technical/Business Competence: Strong sales skills are essential to grow the debtor’s book with new business. Deadline driven - Driven to close a deal as soon as possible to ensure disbursement. Strong negotiation skills Customer satisfaction orientation and sales competencies Analytical skills (data analyses) Excellent excel skills (pivots, lookups). Strong administrative skills. Solid understanding of lending products and practices Strong project management – planning, organisational & time management Excellent written and verbal communication and interpersonal skills Extremely well organized with the ability to effectively multi-task and calmly handle diverse workloads while maintaining a positive customer-focused attitude. Problem solving Ability to work in a goal-oriented environment. Resourceful and the ability to take initiative. Ability to work in a team and support sub-teams
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