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Credit Analyst – Corporate Banking

3 months ago

Cape Town, Western Cape, South Africa Aquarius Specialist Recruitment Full time
Our client is a major international Corporate Bank with a regional office in Gauteng. In order to build capacity in their team they now have an opening for an experienced Credit Analyst.

The role incorporates the following:
Perform credit analysis, Credit Ratings and Post Loan Management and manage, measure, monitor and report credit risks timely. Provide support to Risk Manager to achieve Asset and related KPI targets. 1.Key Performance Area (Objective)

Conduct comprehensive and effective analysis, credit ratings, covenant monitoring, pre and post loan management of clients and to manage and maintain credit risks.

Complete, facilitate, coordinate, monitor and participate in the credit process both locally and with Head Office for the respective Team.1.1Credit Due Diligence· Ensure customer due diligence is carried out prior to on-boarding a new credit customer and on a regular basis thereafter.


  • Monitoring the customers' performance from a customer performance and credit perspective.

1.2Credit Applications and Reports· Perform comprehensive, effective, accurate and high quality financial and risk analysis as part of originating credit applications timeously, and make appropriate risk-based recommendations to Credit Committee (CC) or in the Head Office Credit Applications.


  • Credit applications and reports should be correct, consistent, and complete and presented in a logical, clear and professional manner highlighting the key credit risk.
  • Ensure that the business requirements and the customers' business is laid out clearly in the credit applications and that all the credit applications are prepared on time and meet the Head Office policy requirements in terms of content, quality of information and structure.
  • Assist with additional information as required by the local CC, Risk Management department (RMD) or Head Office Credit and/or International department timely.
  • Query information that is not clear, contradictory and may pose risk with the RM and client as required.
  • With the assistance of the RM communicate and liaise with clients when required for gathering additional and clarifying information related to credit ratings and credit applications.
  • Credit ratings must be completed in a timely manner to provide sufficient time for all the required review processes, in accordance with applicable policies and procedures.
  • Identify the appropriate credit rating model for each new counterparty, in accordance with applicable policies and procedures.
  • Ensure that all the required Customer Information (CI) on NGS is captured accurately prior to initiating a credit rating process on CLPM to minimise the termination of credit ratings.
  • Capture financial information in credit rating model on CLPM and perform credit ratings accurately, exercising sound risk-based judgment and the required accounting knowledge in order to minimise termination of credit ratings by RMD.

1.3Credit rating:· Research and exercise sound judgement when performing qualitative analysis in line with the principles in the rating guidelines based on the counterparties performance and available information.


  • Compile necessary supporting credit rating documents for submission to the CC for approval.

1.4Credit planning:· Planning and meeting all due dates for all credit reports and documentary processes, and following the submission procedures and requirements.


  • All credit processes must be completed in a timely manner to provide sufficient time for all the required review processes, in accordance with applicable policies and procedures.
  • Manage the process with internal and external stakeholders.

1.5Credit filing:· Send all electronic and paper copies of all credit documentation to the Administration team in accordance with applicable policies and procedures and in conjunction with Administration team's requirements for filing and safekeeping.


  • Ensure all information requiring filing is advised timely to Administration team.
1.6

Post Loan Management:

  • Manage, execute, measure, and monitor approval conditions.
  • Plan and meet due dates and documentary processes and follow submission procedures and requirements
  • Complete post loan management reports, ad-hoc credit reports and memos as required by the CC, Risk Management department, ALCO, RCICC or Head Office Approval Centre professionally, prior to their review dates and within timelines advised from time to time.
  • Assist the RM in monitoring and reporting on all customers for early warning or pre warning signals and all material risks of the customers to RMD, CC and Head Office, where applicable.
  • Where appropriate reporting to the RMD, CC and Head Office / Approval Centre on major risk events, watch list customers, credit concentration, special mention, updating ratings, recommending customer staging change etc.
  • Assist the RM in preparing and executing risk mitigation and disposal plans.
  • Work closely with RMD and expats to understand credit, post loan management requirements and ensure compliance therewith
  • Monitor, manage and review credit facilities and ensure they reflect customers' requirements and usage.
  • Reporting on any change or encumbrance that may weaken the security or collateral.
1.7

NGS:

  • Execute NGS tasks as required for applications and post loan management in line with policy and procedure requirements.
  • Monitor and ensure NGS and other physical records on customers relating to credit or other matters are updated and captured correctly, amended as may be required and stored timely.

1.8Monitor security:· Manage, measure, monitor and maintain collateral and security where applicable, and ensuring the status and preservation thereof for the duration of the facilities.


  • Reporting any change or encumbrance that may weaken the security or collateral.

1.9Compliance and administration:· Comply with all regulatory requirements pertaining to banking including the Banks Act, the Companies Act and other relevant and applicable legislation, policies and procedures (including Head Office requirements) when conducting any business of the Branch.


  • Ensure that no risk or infringement incidents are raised due to not following policy and procedures and/or non-compliance with legislative or business process requirements.
  • Keep abreast of developments in the regulatory, policy and procedure requirements (including Head Office requirements).

Special tasks and projects:

  • Complete the Must do list assigned, ad hoc, assigned tasks and special projects with a sense of urgency within timelines and ensure correctness and accuracy of information.
  • Prepare daily and weekly reports.
  • Complete all reports and requests in a timely and professional manner ensuring correctness and accuracy of information.
  • Conduct research and source documentation or data when requested within in timelines.
  • Resolve customer queries and challenges (internal/external), professionally, accurately and speedily.
  • Ensure all customer documentation is obtained for regulatory, compliance, policy, procedure, legal or other requirements and they are stored correctly for respective customers.
  • Develop innovative customer or Branch solutions (Branch Uniqueness business opportunities as per Head Office policies and KPI's)
  • Assist RM to do innovative and unique deals and transactions that enhance the image and profile of the Branch.

Strategic initiatives – Support RM on strategic initiative investigation, origination and execution2.1Strategic initiatives:· Support RM with research (client, market, industry and product), credit analysis, and reports relating to strategic initiatives identified.


  • Provide recommendations and guidance on strategic initiatives.
  • Assist RM to execute on strategic initiatives.
Branch and CBD Targets – Achieve Branch Targets as set by EXCO (determined by Head Office) and CBD targets as amended and updated from time to time on an annual basis by planning and executing on plans

31KPI's and budgets:

  • Assist RM with developing annual department customer strategy plans to meet the Targets and to update the strategy plans as circumstances change.
  • Assist RM to grow loans and Advances and replace maturing and/or early repaid loans
  • Assist RM to meet targets as revised or amended from time to time.
  • Assist RM to achieve all KPI targets including any credit, risk, operational or other Head Office/Branch KPI target/requirements.

3.2Cross sell and business development:· Assist RM to identify and execute cross sell and upsell opportunities with existing customers on an on-going basis.


  • Assist RM to promote, develop and sell new products.
  • Assist RM to do innovative deals and transactions.
  • Assist RM to generate new business by actively engaging with potential and existing customers.
3.

3Marketing:

  • When required assist RM to market customers within portfolios, multi nationals, and banking customers including domestic and overseas branches.
  • Assist RM to seek out opportunities with customers that may be outside the portfolio and work with and support other teams to grow the customer base.
Strong Work Ethics – sets the tone and basis for the organisation to achieve success. Unethical and unprofessional behaviour and failure to deliver on prioritised tasks drive away customers, and good employees.

Coordination/Cooperation – Develop team/s and portfolio/s and establish and maintain good working relationships within the department and the Branch's internal and external customers.

To protect and enhance the brand of the Bank. Servicing, marketing and treating customers fairly, collaborating on customer and enabling teamwork.

Job Requirements minimum criteria:
Education / Qualifications +

Professional Memberships:

  • Tertiary (Preferably Business-related) Diploma/Degree (3-year) – Essential
  • Master's Degree – Preferable

Job related experience required:

  • Previous banking/Financial Services 5 – 10 years – Essential
  • Administration-related experience 2 years – Essential

Job related knowledge required:

  • Ability to communicate verbally in English (Strong Ability) – Essential
  • Ability to write in in English (Strong Ability) – Essential
  • Ability to negotiate – Essential
  • Ability to work under pressure and independently and manage requirement of the role – Essential
  • Financial Literacy/Numeracy – Essential

Job related skills required:

  • Administration Skills – Essential
  • English – Essential
  • Windows Office – Essential
  • Logic – Essential
  • Problem solving – Essential
  • Banking Products knowledge – Essential
  • Communication + Negotiation Skills – Essential
To apply for this role please send your CV to

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