Analyst: Business Bank Credit (Commercial Credit)

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Date: 22 Jan 2025

Location: Sandton, GT, ZA

Company: Capitec Bank Ltd

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We're on the lookout for energetic, self-motivated individuals who share our passion for service in the banking industry. To be part of the journey, follow the steps below:

1. To see what life at Capitec is all about and complete a short assessment, please click here!

2.  Once you have completed the above finalize your application by clicking apply below

Purpose Statement

To support the Credit Manager in the management of the credit portfolio in the assessment and verification of credit applications and assessing credit risks prior to the migration of risk groups to other areas of the Bank.

Experience

  • 3+yrs previous general banking experience, of which 1-2 years should have been spent in the Business Banking environment.  
  • Financial statement analysis and pre-checking of credit applications

Qualifications (Minimum)

  • Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

  • National Diploma in Accounting - Financial Accounting or Banking

Knowledge

  • General understanding of how Business Banking operates, as well as understanding the business risks, industry risks and financial requirements pertaining to this market.  
  • Good knowledge of general banking practices and procedures, especially within a Business Banking environment. 
  • Good knowledge and understanding of Credit products, features and benefits. 
  • Knowledge of Credit principles and practices, including an understanding of credit applications, collateral and financial statement requirements. 
  • Knowledge of multiple legal entities (companies, close corporations, sole proprietorships etc.) in the Business  market and the legislative restrictions and requirements governing these from a financial services perspective.

Skills

  • Numerical Reasoning skills
  • Attention to Detail
  • Problem solving skills
  • Analytical Skills
  • Computer Literacy (MS Word, MS Excel, MS Outlook)

Conditions of Employment

  • Clear criminal and credit record

Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals.