Junior Credit Analyst

PURPOSE OF THE JOB:

The Junior Credit Analyst is responsible for the analysis, evaluation and efficient handling of credit applications, risk mitigation, collection of debt, and providing further support in administrative functions within ACS.

DUTIES AND RESPONSIBILITIES OF THE JOB:

• Process all applications of all accounts of the relevant business partners within the Senwes Group.
• Interpreting financial statements and commenting on any deviations.
• Manage documentation collation, ensuring accuracy and completeness of supporting documents.
• Ensure that all compliance requirements are met e.g. FICA, KYC, POPIA etc.
• Liaise with Assistant Credit Manager for approval and follow-up on application statuses
• Oversee the collection process, particularly focusing on accounts overdue by 90 days.
• Engage with clients via telephone to negotiate payment arrangements and resolve outstanding debts.
• Monitor accounts in arrears, identify disputes, and initiate appropriate actions, including legal proceedings if necessary.
• Initiating and follow-up on extensions granted for accounts in arrears.
• Ensure that security within the Senwes Group as well as external parties are registered to collect outstanding debt and to reduce risk.
• Provide comprehensive administrative support, including credit limit management and journal entries compilation.
• Provide ad hoc administrative tasks as required.
• Conduct ongoing monitoring of credit portfolios, identifying potential risks and implementing mitigation strategies.
• Provide administrative support and advice to Portfolio Assistants and co-ordinate training for PAs when the need is identified
• Maintain proactive communication with portfolio clients, addressing inquiries and concerns promptly.
• Monitor credit facility utilization and communicate with relevant parties regarding credit limits.

• National Senior Certificate or relevant post-matric certificate.
• Minimum one year experience in a similar role.

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• We are committed to transformation through the appointment of persons from designated groups and potential candidates from these groups will enjoy preference.
• Kindly note that a consumer credit record will be requested in respect of all appointments which involve dealing with cash or finances.
• Should you meet the above requirements and believe you can contribute to the company, kindly register and apply on our Career Page at www.groupcareers.co.za
• Should we not have contacted you within six weeks of the closing date, you may assume that your application has been unsuccessful.

CLOSING DATE: 23 MARCH 2025