Job Description
About the Role
The Credit Analyst / Loans Analyst is responsible for assessing loan applications, evaluating customer affordability and creditworthiness, analysing lending risks, and ensuring that all loans issued comply with internal lending policies, NCR regulations, and regulatory requirements.
Key Responsibilities
- Assess and analyse loan applications in line with company lending policies and procedures.
- Conduct affordability assessments to determine customer repayment capability.
- Evaluate customer creditworthiness using financial information, supporting documentation, and credit bureau reports.
- Analyse lending risks and identify potential areas of concern before approval.
- Verify client employment, income, banking details, and supporting documentation.
- Ensure all lending decisions comply with NCR regulations and internal risk frameworks.
- Identify high-risk applications and escalate where necessary.
- Recommend loan approvals, declines, or alternative lending solutions within approved policy guidelines.
- Monitor portfolio quality and contribute to minimizing bad debt and default rates.
- Assist in maintaining healthy collections and portfolio performance levels.
Requirements
- Diploma or Degree in: Credit Management, Business Management, Finance, Accounting, Economics, Banking or related qualification.
- Additional Training: NCR-related training will be advantageous.
- Minimum 3 years’ experience in: Microfinance, Credit analysis, High-volume lending environments, Loan assessment environments.
Qualifications
No formal education/certifications mentioned.
Salary & Benefits
Salary information not specified.
Working Conditions
Office-based environment, high-volume operational environment, deadline-driven role, interaction with customers and internal stakeholders.
How to Apply
Click the green “Go Apply” button below to apply directly online with the employer.
About Accounting / Finance Jobs in Gauteng
In Gauteng, South Africa, the accounting and finance industry is a significant sector, offering various career opportunities for professionals with the right skills and qualifications. Typically, this field is driven by the growth of multinational corporations and local businesses in industries such as technology, financial services, and manufacturing. As a result, job seekers can expect to find a diverse range of roles available, from entry-level positions to senior leadership roles.
When it comes to salary expectations, accounting and finance professionals in Gauteng can generally expect to earn salaries that fall within broad ranges. Typically, salaries for entry-level roles start around R400 000 – R600 000 per annum, while more senior roles can command salaries ranging from R1 million to over R3 million per annum, depending on factors such as experience, company size, and industry sector. However, it’s essential to note that these are broad ranges, and actual salaries may vary widely.
Common skills required for accounting and finance roles in Gauteng include strong technical knowledge of financial management principles, analytical and problem-solving skills, attention to detail, effective communication skills, and proficiency in financial software and systems. Additionally, many employers also value candidates with experience in budgeting, forecasting, and financial analysis. In some cases, a degree or diploma in accounting, finance, or a related field may be required.
Industries that commonly employ accounting and finance professionals in Gauteng include the financial services sector, technology industry, manufacturing sector, and public sector entities. These sectors require skilled professionals to manage their finances, prepare budgets, and provide strategic guidance on financial matters. Job seekers can expect to find opportunities across these sectors, from small businesses to large multinational corporations.
For those interested in pursuing a career in accounting or finance, there are many development opportunities available. Typically, professionals in this field can progress to senior roles, such as financial manager or director of finance, after gaining relevant experience and developing their skills. Additionally, many employers offer training programs and mentorship opportunities to support the career development of their employees.
This information provides general career guidance. Actual salaries and requirements vary by employer.
GO APPLY NOW
Safe & secure application process
Explore More Opportunities
[quick_job_alert]
[jobseeker_tips]
How to Apply
Click “GO APPLY NOW” to visit the company’s application page.
Follow their instructions carefully.
JVR Jobs connects you with employers – we don’t process applications directly.
Latest Job Opportunities
[sa_latest_jobs count=”6″ columns=”2″]
Browse Employers
Job Alerts