Sunninghill, Johannesburg: CREDIT RISK ADVISOR

Sunninghill, Johannesburg : CREDIT RISK ADVISOR

Job Purpose: Minimise customer risk by gathering, analysing and sharing all relevant market, risk, debtor and financial information to identify possible risks to customer and suggesting mitigating actions.

Minimum Requirements:

-Well presented and professional

-Fully bilingual with excellent English proficiency

-Matric / Grade 12

-Financial, economic, law or business management degree or diploma obtained

-3 to 5 years Credit Risk experience in a business being exposed to all financial facets and risks associated with trading

-Debtors and creditors exposure and experience

-Experience at a managerial level advantageous.

-Experience dealing with Credit Insurers advantageous

-Must understand basic financial principles income and expenditure

-Must be able to assess / interpret on site with debtor present and make decision there and then whether satisfied with risk or clarify uncertain items in financial statements (clarify on site)

-Must understand claim payout process and time frames for the claim to be paid and be able to calculate payout amount.

-Fully understand and able to ensure compliance of insurance timelines for debt collection and lodging claims deadlines from insurers.

-Good management skills

-Must have good understanding of AFS and able to do basic level assessments to advise on risk profile and highlight related strengths and weaknesses.

-Problem solving & conflict handling skills, attention to detail

-Able to deal with pressure

-Strong communication and interpersonal skills

-Drivers license and own vehicle

-Computer literate

-Stable employment record and contactable references

-To start as soon as possible

Duties:

-Credit Risk Advisory duties

-Visit Debtors to determine risk

-Ensure operational excellence and manage operations

-Use information obtained from monitoring to provide constructive feedback

-Organizing and planning, implementation of team goals and setting of personal goals

-Identify problems recognise the causes within a reasonable period and identify potential solutions.

-Accountable for ensuring quality of own work and work of SDRS or DRS

-Visiting clients, stakeholders, Debtors, Attorneys, insurers etc.

-Debtors meetings, security negotiation, collection of debt visits, Business Rescue Meetings, Liquidation Meetings etc.

-Identify potential major issues regarding risk

-Determine intervention required in conjunction with Senior Credit Risk Manager, Regional Advisor or Regional Director.

-Report on matters

-Determine which debtors owe in excess of the established credit limit, especially if insured

-Recommend security where necessary (i.e. New business for substantial limits)

-Assist with credit ins