CREDIT ANALYST (SME) - HEAD OFFICE - DURBAN
Al Baraka Bank Limited
2026/09/09   Kwazulu Natal

Job Ref #: CREDANALYSTSME_KZN_REP#KP
Industry: Banking/Finance And Investment
Job Type: Permanent
Positions Available: 1
CORE PURPOSE OF THE JOB • To provide support to the Head Office Credit division by assessing applications and providing recommendations on every application prior to that application being vetted by the delegated authority (pre-vetting) • Submits requests for finance to the Board Credit Committee and Board of Directors for approval. • Required to act as a back-up function for other credit analyst
Job Description

MAIN FUNCTIONS OF THE JOB INCLUDE

PRE - VETTING APPLICATIONS

  • Review and analyse finance applications within the mandates of Executive Credit Committee (ECC), Senior Management Credit Committee (SMCC), and Management Credit Committee (MCC).
  • Assess credit risks, ensure compliance with regulatory and internal policies, and make recommendations for management approval.
  • Board Credit Committee (BCC) Submissions: Prepare and submit applications to the BCC and Board of Directors (BOD) for approval.
  • Compile necessary documentation and ensure all queries are addressed promptly.

 

PROJECTS

  • Involved with credit related projects.

INTERNAL & EXTERNAL AUDITORS

  • Coordinate with internal and external auditors, providing necessary information and addressing audit queries promptly.
  • Prepare submissions for audits and ensure compliance with audit recommendations.

 

REPORTING

  • Preparation of reports to Board Credit Committee.
  • Ensure accuracy and completeness of reports.
  • Ensure that book debts are submitted timeously from Branches

 

CREDIT AWARENESS TRAINING

  • Conduct credit awareness sessions and training for sales and credit staff on amended regulations, internal policies, and procedures.
  • Prepare presentations and materials as required.

 

Job Requirements

QUALIFICATIONS  

  • A Bachelor of Commerce degree in Accounting or Finance

 

PREFERRED EXPERIENCE

  • At least 2 years’ experience in the Banking industry, specifically with Credit / Accounting experience.

 

KNOWLEDGE

  • Proficient in MS Excel, Word, PowerPoint
  • CreditLens System
  • Imal
  • PowerBI
  • Credit policies and procedures
  • National Credit Act
  • All Credit related legislation

 

 

Al Baraka Bank is an Equal Opportunity Employer. Applicants from the previously disadvantaged groups and people with disabilities will be given preference.