Head of Credit Research

2 weeks ago

Johannesburg, Gauteng, South Africa FirstRand Full time
About us, purpose, experience and qualifications

about us:

- getting those that are not saving to save,
- getting those who are saving to save more effectively, and
- helping to fund Africa

purpose:

  • Ashburton Investments is a new generation investment manager that offers investors access to more sources of return and more ways to manage risk. In the institutional space in South Africa as well as our Global business, we pride ourselves on offering solutions to address clients' holistic balance sheet needs, and to support business strategies in the reallocation of investment capital in the face of increasing regulatory pressures. We see institutions as but not limited to, pension funds, long and shortterm insurers, reinsurers, as well as medical aid schemes. The Credit Research function oversees the credit exposures within the Ashburton Investments portfolios/mandates. This includes but is not limited to credit coinvestment funds as well as full discretionary mandates for both local and offshore in both the listed and unlisted space. This role reports to Ashburton Investments Chief Investment Officer. The Head of Credit Research will work closely with the Risk function in Ashburton to ensure all breaches per credit limits are reported timeously, and specific action is taken to address the breaches.

experience and qualifications:

  • A recognised Mcom/MSc Hons degree in finance, investment management and/or mathematics other qualifications can be considered
  • CA(SA), CFA considered favourable
  • Minimum 10 years relevant experience in an asset management environment and exposure to credit portfolio risk
  • Exposure to credit risk modelling
  • Knowledge of factors affecting national and global companies and
- their impact on investors

  • Thorough understanding of the investment process and the risks therein
  • Selfstarter
  • Strong people skills needed in order to build trust and confidence within the Ashburton business
  • Prior experience in managing a team of credit analysts and in maintaining a high performing and motivated team
  • Good communication and presentation skills
  • Must conform to the values of FirstRand and the principles by which Ashburton Investments operates
  • Excellent attention to detail and accuracy within expected timelines
  • Advanced excel skills
  • Analysis And Attention to Detail
  • Monitoring and Measuring
  • Building Strategic Relationships
  • Business Insight and Risk Awareness
  • Judgment and Decision making
  • Commercial and Financial Acumen
  • Influencing and Impact
  • Consulting and Advising Environmental Scanning (Indepth market knowledge)
    additional requirements:

responsibilities:

  • Critical to this role is the management of credit default rates.
  • This role requires the incumbent to display strong analytical insight coupled with indepth credit knowledge.
  • All existing functions performed by the Head of Credit Research. The
  • Propose and oversee credit research strategy and framework for the Ashburton business
  • Investments related to Credit risk.
  • Management of all credit exposures throughout the Ashburton Investments portfolios.
  • Responsible for assessment of new transactions where Credit risk is undertaken.
  • Interaction with relevant Legal Advisor to ensure that Legal agreements are concluded for all transactions where credit risk is taken.
  • Management of the Ashburton Investments Credit Committee and Ashburton Investments Credit Governance Committee to ensure smooth running of the committees.
  • Chairing of the Ashburton Investments Delegated Credit Committee
  • Management of exposure limits, ratings and systems for Credit exposures.
  • Work closely with the Risk department and report directly any breaches in terms of concentrations and risk limits
  • Attendance, input and interaction at relevant forums, committees etc.
  • Ad hoc requests related to credit research function
  • Providing key stakeholders with proactive research insights into trends, market risk appetite, issues, threats, and opportunities in all credit portfolios
  • Be proactive in sharing insights across the Ashburton business and risk cluster in respect of counterparties where Credit exposure is taken.
  • Partnering with business clusters to maintain credit losses, profitability and other credit risk exposures
  • Work in collaboration with the Head of Credit, to ensure alignment in thinking about credit exposures.
  • Provide insight and optimise problem management processes with risk prone investments on the surveillance and watchlist
  • Facilitate the understanding for the suitability of instruments for
- specific portfolios in accordance with their mandates.

  • Propose strategies for managing identified risks in credit Analysis
  • Creation of appropriate credit risk models used for performance monitoring oversight
  • Proactively manage credit risk metrics that are identified via risk dashboards and reporting
  • Implement a credit limit monitoring system with Risk.

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