Senior Credit Analyst

1 week ago

Centurion, Gauteng, South Africa Momentum Investments Full time

Introduction


Through our client-facing brands Metropolitan and Momentum, with Multiply (wellness and rewards programme), and our other specialist brands, including Guardrisk and Eris Property Group, the group enables business and people from all walks of life to achieve their financial goals and life aspirations.


Role Purpose


The role of the Senior Credit Analyst is to provide analysis and recommendations on potential credit investments as an input into the credit portfolio management process.


Requirements:

  • Honours degree in Accounting, Finance, Mathematics or Statistics.
  • CFA or MCom in Finance or Risk Management/ working towards either (advantage).
  • 7+ years relevant experience in a banking or asset management environment.
  • Practical experience working with credit market securities (including structured securities).
  • Financial Statement Analysis.
  • Advanced excel proficiency, with the ability to build corporate financial models.
  • Strong research acumen.
  • Stakeholder management, analytical, influencing skills.

Duties & Responsibilities

  • Perform credit research across various sectors in the economy and have an understanding of the drivers of performance across such sectors.
  • Perform quarterly sector presentations in various forums.
  • Drive efficiencies within the research process, particularly through quantitative credit risk models.
  • Keep abreast of the latest regulatory and market development across the Fixed Income team's focus sectors.
  • Perform indepth fundamental counterparty analysis considering relevant credit risk indicators.
  • Build corporate financial models to support the investment thesis for an opportunity over the recommended investment horizon.
  • Prescreen the investment opportunities timeously and share recommendations with the Fixed Income team based on a highlevel fundamental credit analysis.
  • Review of applicable legal documentation for investment opportunities.
  • Perform postinvestment monitoring of debt investments under the management of the Fixed Income team.
  • Develop and maintain effective working relationships with portfolio managers, asset originators, legal advisors and applicable governance committees.
  • Complete competitor analysis to assess the strengths and weaknesses of current and potential competitors.
  • Analyse investment portfolios and financial instruments based on the outcomes and requirements of the mandate and business requirements.
  • Custodian of the fixed income team credit process and philosophy.
  • Compile analyst reports with exposure recommendations on credit quality on a probability of default perspective.
  • Generate internal credit ratings for issuers in the investable universe.
  • Report generation & reporting to the various governance committees.
  • Lead member of the fixed income credit view in the TAA process.
  • Regular engagement with management teams as part of our ESG process.
  • Custodian of the credit watch list and regular updates and reviews of existing credit exposures.
  • Building and evaluating credit risk and attribution models for fixed income portfolios.
  • Build a credible profile in the market.
  • Proactively support and work with other areas with a spirit of teamwork and shared accountability.

Best practice service delivery for your functional area

  • Build and maintain relationships with clients and stakeholders.
  • Contribute to sustaining a competitive edge through external networking and benchmarking and representation on related forums.
  • Engage with key stakeholders to identify changing client needs and make recommendations to align service offering with client needs.
  • Contribute to a client service excellence culture which builds enduring relationships and allows team to provide exceptional client service.
  • Drive efforts to improve client service and fair treatment of fixed income clients.
  • Incorporate client feedback into the enhancement of daily business processes and management operating systems.
  • Participate and contribute to a culture which builds rewarding relationships, facilitates feedback and provides exceptional client service.

Competencies

  • Client focused.
  • Results driven.
  • Proactive problem solver.
  • Logical and critical thinker
  • Team player.
  • Good corporate citizenship.
  • Selfmanagement skills.
  • Providing Insights and Collaborating.

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