The overall purpose of the job is to assess and mitigate risk by carrying out a comprehensive and quality credit risk function by analyzing the client’s business, financial statements, and management accounts in order to provide a recommendation on new accounts and existing accounts annually.· Record new account information in the new accounts register within 3 hours of receipt of documents;· Update new accounts register daily with the progress of the account;· Have a discussion with a Commercial person to understand the requirements of the client;· Review all the documents received – Business Application, STCs, company documents, and motivation;· If STCs are amended, ensure legal has reviewed and given the go-ahead;· Obtain the necessary credit bureau reports, trade references, and general research on the internet for the client;· If Audited Financial Statements are received, prepare the necessary ratios on the Credit Report Assessment document;· Visiting of clients as financials may need to be reviewed at the client premises;· Process should be completed within 1 to 2 days, and then review with the GCM;· If the risk is high, AFS and or guarantee is requested once discussed with the GCM;· Ensure the monthly re-vett schedule is completed, and the necessary accounts are reviewedFor Existing Clients:· The same process as new accounts is followed, but adding in the payment history over the last 6 months to a year depending on the payment terms;· Meet with the individual division's GM’s/ Commercial teams weekly to understand what is coming on board and sort out any underlying issues;· Once the account has been approved, create the client accounts on BOS, SAP, or CW inputting all client's correct information;· Once opened on the system, all documents need to be uploaded to the Risk Share folder;· Prepare internal and external letters notifying everyone of the account being opened;· To ensure filing is up to date with all client’s applications and documents;· Ensure POPI is followed;· Carry out the duties of colleagues as requested by Management whilst the colleagues are on leave or during peak periods;· Ensure that you know and adhere to all Company policies and procedures.The successful candidate will need to be qualified with a degree.BCom or BTech as well as Credit management 4 or 5