Commercial Credit Analyst

Summary

Join Lula, a human-focused FinTech company, as a Commercial Credit Analyst to help small businesses optimize their cash flow. This role involves credit underwriting process management, client engagement, and financial analysis.

Requirements

• Matric/ grade 12 certificate or equivalent achieved
• Completed finance/ accounting/ economics degree or equivalent
• Ideally you will have some commercial/SME credit experience
• Strong numeracy abilities
• Passionate about delivering customer experience above and beyond customer expectations

Responsibilities

• Engaging with clients to verify their financial/credit transactions, business performance and request additional information where need be
• Evaluating clients’ credit data and financial data in order to determine the degree of risk involved in lending money to them
• Preparing notes about the degree of risk in lending money to clients
• Analysing client records and using the data to recommend outcomes
• Evaluating the financial status of clients by interpreting financial ratios produced by proprietary programs
• Helping supply chain and Sales and Marketing departments in managing financial orders to help them control credit exposure
• Understanding the lending platform in its entirety with special focus on the origination module
• Working closely with the Head of Credit Underwriting and Credit Team Leader on issue escalation, ensuring customer problems are tracked, resolved and followed-up on
• Using ideas and solutions to meet customer needs ensuring that their expressed and underlying needs are satisfied
• Understanding and keeping up to date on the latest technology developments and technical issues affecting your accounts
• Running other key operational tasks linked to the monitoring of the portfolio on book on a regular basis