Credit Analyst / Assistant Relationship Manager / Relationship Manager - Banking Industry

Introduction

The role is responsible for supporting and managing client relationships while assisting with credit analysis, client onboarding, account administration, compliance, and portfolio reporting.

The successful candidate must currently be employed within the banking industry and will play an important role in growing and maintaining the client portfolio. The position requires strong client relationship management skills, sound credit and banking knowledge, and the ability to ensure that all activities are conducted in accordance with credit policies, internal controls, regulatory requirements, and applicable compliance standards.

Duties & Responsibilities

• Build and maintain professional relationships with clients.

• Respond to client queries and assist with banking products, services and general requests.

• Support the onboarding of new clients and ensure that all FICA, KYC and AML requirements are completed.

• Analyse financial statements, cash flows and management accounts.

• Assess client creditworthiness and identify financial, business and credit risks.

• Prepare credit applications, annual reviews, credit ratings and supporting memorandums.

• Monitor client facilities, account performance and outstanding credit requirements.

• Liaise with credit, legal, compliance and operations teams during approval processes.

• Maintain accurate client, credit and approval records.

• Process account-opening documents, banking instructions and client amendments.

• Prepare portfolio, credit and management reports.

• Ensure that documentation is complete, accurate and available for audit purposes.

• Identify and escalate operational, compliance and credit risks.

• Maintain the confidentiality of client and financial information.

Desired Experience & Qualification

• Bachelor’s degree or diploma in Finance, Accounting, Economics, Banking, Business Administration or a related field.

• At least two years’ experience in banking, credit analysis, client relationship management or a similar role.

• Experience working with financial institution and corporate clients.

• Knowledge of financial-statement analysis and credit-risk assessment.

• Working knowledge of FICA, KYC and AML requirements.

• Experience with client onboarding, account-opening documentation and banking instructions.

Package & Remuneration

R40 000 ctc