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Credit Analyst: Commercial Banking & Transformatio

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To manage and perform quality credit analysis; financial analysis, including data collection, trend analysis, peer comparisons and industry overview to ensure good quality credit submissions to Credit Managers and Credit Committees for the allocated portfolio i.e. Commercial and Transformation Credit applications and mitigate any potential risk on behalf of the The company and recommend bankable solutions in accordance with approved Credit Policy, norms and the delegated level of power. Responsible for maintain the portfolio including conducting annual credit reviews on existing portfolio, and re-advancing of production loans and revolving loans within assigned DOP and as when required by management. 1. Credit Assessment and Risk Management Carry out full credit assessments within allocated portfolio through credit submissions, financial analysis, reviews, re-advancing loans, collateral analysis, approval conditions tracking and risk management.Check the credit submission for completeness, including accompanying documents in terms of the approved loan guidelines.Ensure that all relevant information and documentation has been received from the operations as per the agreed checklistFollow up with the Provincial officees to ensure that all supporting documentation is completeEnsure that loan applications conform to the set standards, highlight anomalies and suggest corrective measuresAlign products to the purpose of the loan and the Credit Policy to suite customers needsCo-ordination of PCC and RCC setting up of agenda(s) for application(s) to be heardReporting stats of application(s) processed for allocated region(s) 2. Stakeholder Relationship Management and Team Support Build relationships with all the relevant stakeholders to ensure understanding of requirements and addressing any credit related issuesRespond to queries received from the Provincial office operations and the relevant Credit CommitteePromote a culture of credit risk management at Provincial office level.Provide guidance and training to operations on credit related mattersAdhering to legislative requirementsPro-actively develop self with regards to other / new products in the The companyManage own career and personal developmentsDemonstrate behaviour that is aligned to the The company valuesMay be required to represent Credit on projects as assigned by managementResearch, compliance training, maintain stakeholder relationship management and team support 3. General Administration and Audit Matters Ensure that documentation is archived in accordance to the Banks policy for record and audit purposesAttend to audit findings as and when required within a https://www.jobplacements.com/Jobs/C/Credit-Analyst-Commercial-Banking--Transformation-1275275-Job-Search-3-26-2026-7-40-01-AM.asp?sid=gumtree

Job Placements

Kensington

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Job Specification: Credit AnalystReporting ToHead of Credit / Credit Manager & Head of OperationsRole PurposeTo assess, analyse, and evaluate credit applications to support sound lending decisions, protect the company’s capital, and ensure deals are structured in a manner that balances risk and profitability. The role exists to apply disciplined credit thinking across all transactions and maintain the quality of the loan book.Key Responsibilities Credit Risk AssessmentAnalyse financial statements, bank statements, management accounts, and tax records.Assess creditworthiness using financial ratios, cash flow analysis, and debt servicing capacity.Evaluate both quantitative and qualitative factors, including business model, industry risk, and management capability. Deal Evaluation & Structuring SupportReview and stress-test proposed deal structures to assess viability.Recommend appropriate deal terms including deposits, repayment periods, residual values, pricing, and security.Identify risks and propose mitigation strategies such as guarantees, cessions, or upfront contributions. Due DiligenceConduct background checks on clients, directors, and related entities.Verify asset values and confirm supplier or dealer credibility.Ensure all required documentation for a complete credit review is obtained and accurate. Credit Report PreparationPrepare clear, concise, and well-motivated credit reports for internal or credit committee approval.Present transactions in a structured format, highlighting key risks and mitigants.Provide recommendations to approve, decline, or request further information. Policy & Compliance AdherenceEnsure all credit assessments comply with internal credit policies and applicable regulations (e.g. NCR, FICA).Identify and escalate any policy deviations or exceptions.Maintain accurate records and audit trails for all credit decisions. Portfolio MonitoringMonitor repayment performance post-disbursement.Identify early warning signs of distress or potential default.Recommend corrective actions, restructuring, or recovery strategies where required. Collaboration & CommunicationWork closely with sales, legal, and operations teams to support deal execution.Apply independent judgement and challenge assumptions or overly optimistic projections where necessary.Communicate credit decisions and ratio https://www.executiveplacements.com/Jobs/C/Credit-Analyst-1276859-Job-Search-03-31-2026-07-00-15-AM.asp?sid=gumtree

Executive Placements

Illovo

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National Fleet rental and logistics company in Seeking to employ an experienced Accountant to join their branch – reporting in HO in GautengResponsibility: Requirements: • Financial accounting Degree • Preferable to have some current or past exp in Transport Logistics / Fleet/ Manufacturing • Team player • Computer Literate- especially excel • Must be a go getter and able to understand the nature of the business and communicate with all departmental heads. • Working hours 7am to 5pm GENERAL 1. Daily management of Finance staff. CASH MANAGEMENT 1. Daily FNB download and cash flow management to HO 2. Daily checking to SV of bank receipts allocation. 3. Daily review and sign off of sundry payments, including petty cash re-imbursements, sign off of eft batches to confirm accuracy. DEBTORS 1. Attend to review of credit application forms and TU report and decision on opening of new accounts. 2. Daily update on SV of customer insurance for quoting purposes 3. Review of credit limit for costing at month end. 4. Review of debtors’ age analysis and follow up on long o/s debtors with debtors’ administrator and branch manages including Operations Director 5. Regular communication with Trans Union on debtors credit reports 6. Computation of Sun City monthly invoice schedule CREDITORS 1. Review and sign off of trade creditors reconciliations 2. Review credit applications for opening of new supplier accounts 3. Preparation of monthly BEE spend submission to HO FINANCIAL MANAGEMENT 1. Preparation of monthly detailed journal entries with supporting schedules/reconciliations, etc. on all aspects of the general ledger. 2. Balancing of inter region loan accounts. 3. Review and sign off of monthly bank recon. 4. Conduct ad-hoc petty cash counts. 5. Check and sign off of all inter- company debtors confirmations and ytd revenue 6. Submission of monthly inter- group dealership recons to Adrian Berman. 7. Review of salaries input and sign off with HR 8. Account in GL for all acknowledgement of debt 9. Computation and review of sales reps commission monthly 10. Computation and recon of monthly interest calculation for Fleetmatics and Moipone 11. Analysis and submission of monthly carbon footprint 12. Conduct audit test counts and check of monthly workshop stock count 13. Co-ordinate and provide audit requirements to Group Internal audit. 14. Attend to external audit KPMG 15. Monthly reports for SCP – Debtors, leases, turnover and cost of sales 16. Monthly income statement pack and SCP Financial Pack 17. Detailed Budget and forecast preparation. 18. Preparation of regional monthly vat recon and review of consolidated vat before submission OTHER 1. Review of tender leads received from PA to the CEO and discussion with NFM and OD. 2. Assist with tenders as required. 3. Authorisation of capex on Gems. 4. Attend to all IT related matter relevant to Finance. 5. Attend to any other specific requests from NFM and OD. Please email cv to Pieter – careers@servicesolutions.co.za Consultant Name: User User

Service Solutions

Other

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BRANCH MANAGER Location: Belville, Western CapeOffer: R 700 CTC My well-established client is looking for a dynamic Branch Manager who has aftermarket /motor industry, sales and technical expertise and a successful track record.Have a successful track record. Must be driven to ensure above average financial results for the branch.Must have managed up to 15 staff members. SALES:Ensure that customer service is above the norm.Ensure that sales targets are exceeded and that internal sales staff achieve their individual targets.Ensure sales staffs remain motivated throughout the year and they have the necessary product knowledge.Provide incentive programs provide the desired results.Provide sales training on a continual basis.Identify new opportunities in the market.Make recommendations for price reviews to ensure that we have the competitive edge.Visit Customers on a regular basis.Provide weekly feedback.Ensure customers credit limits are adhered to.Ensure debtors stay within credit limits. STOCK:Ensure that adequate stock levels are maintained to provide optimum service levels to customers.Provide monthly input in respect of additional quantities and new part numbers in stock order placed on overseas suppliers.Perform regular checks on stock composition to ensure that slow moving and excess stock levels are not exceeded.Ensure that security of stock is excellent.Ensure that regular stock takes are done to ascertain that all the internal control measures are adhered to. JOBS:Ensure that all jobs are properly recorded.Ensure that agreed job turnaround times are achieved.Ensure that our pricing is competitive.Ensure customers receive feedback. LOGISTICS:Ensure that the fleet vehicles are properly maintained.Ensure that the drivers activities are properly monitored from the time they load, the routes they take, the time they take and the signing of the product delivered.Ensure products forwarded via Couriers are properly monitored and that customers are satisfied.Ensure products forwarded to other branches are received within the time span agreed.Ensure all product received from suppliers are unpacked and timeously checked before stocked on shelves. ADMINISTRATION:Ensure that all staff are properly appointed and receive employment contracts.Ensure that staff understand their goals and regularly evaluate performance.Ensure that personnel policies and procedures are adhered to.Ensure that all purchases and expenses are properly recorded and signed off.Ensure that expenditure https://www.executiveplacements.com/Jobs/B/BRANCH-MANAGER-1205267-Job-Search-7-22-2025-8-57-15-AM.asp?sid=gumtree

8mo

Executive Placements

Bo-Kaap

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Purpose of the RoleTo oversee the effective functioning of the finance department through accurate financial reporting, strong internal controls, and adherence to statutory requirements. The Accountant ensures efficient month-end processes, cash flow oversight, compliance, and supports organisational performance through sound financial systems and practices.Key Responsibilities Include but Are Not Limited ToLeadership & Team Management- Coordinate and guide the finance team with clear goals and expectations- Provide coaching, cross-skilling, and continuous development- Monitor outputs, address performance issues, and conduct quarterly reviews- Ensure effective communication, accurate reporting, and productive meetingsMonth-End & Financial Reporting- Manage the full month-end process and required checklists- Review journals, provisions, control accounts, loan accounts, and GL accuracy- Prepare monthly financial statements and management accounts by day seven- Maintain complete, accurate, and auditable month-end files and backupsBanking & Cash Flow- Oversee daily bank imports and ensure cash books are processed and reconciled weekly- Review petty cash and credit card reconciliations- Manage cash flow planning and liaise with banks on queries, fees, and documentationDebtors Control- Oversee debtor account approvals, reference checks, and credit checks- Review weekly age analysis and follow up on outstanding queries- Ensure interest calculations on overdue accounts are processed correctly- Assess impact of outstanding debt on company cash flow and profitabilityCreditors Control- Review new supplier setups and ensure validity of banking and contact details- Monitor creditors age analysis and ensure correct allocation to invoices- Review and sign off reconciled supplier accounts and ensure timely payments- Resolve escalated supplier queries and courier account discrepanciesStatutory Compliance (SARS & CIPC)- Submit VAT201 and EMP201 accurately and on time- Complete annual CIPC submissions and maintain required documentation- Ensure full compliance with tax legislation and statutory requirementsFixed Asset Register & Audits- Maintain and reconcile the Fixed Asset Register monthly- Oversee annual assets verification and audit readiness- Coordinate yearly audits, address queries, and implement improvements post-auditPayroll & HR Support- Oversee payroll accuracy for wage and salary staff- Review payroll-related administration (leave, ETI, equity, employee records)- Process payroll journals (PAYE, UIF, SDL, ETI, deductions)- https://www.executiveplacements.com/Jobs/A/Accountant-1273989-Job-Search-03-20-2026-10-01-07-AM.asp?sid=gumtree

13d

Executive Placements

Kraaifontein

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"no credit checks loans" in South Africa

no credit checks loans in South Africa (26 results)

Results for no credit checks loans in "no credit checks loans" in South Africa in South Africa