Senior Credit Analyst

1 month ago


Sandton, South Africa Palesa Mbali Group Full time

Job Title

Senior Credit Analyst

Job Purpose

To manage and maintain risk adjusted pricing and risk ratings in terms of
Basel requirements as well as enable value-based management and
continued implementation of the Internal Ratings Based Approach within
investment banking.

Job Responsibilities

• Interpret Financial results based on the annual financial statements
or models provided by analysing and extracting the relevant
information for the internal rating process.

• Interact with the front office with regards to the transaction structure
to determine the relevant rating models to be applied and provide
input with regards to the potential risk mitigates.

• Assist the credit managers with the final ratings by preparing the
Credit Risk Application (CRA) with the relevant supporting
documents.

• Advise credit managers and the front office by providing an
explanation of returns and ratings results.

• Ensure consistency of information by providing a summary of inputs
used for the models to the front office.

• Ensure that client needs are met by facilitating communication
between the model developers and the front office.

• Ensure that deadlines are met through the efficient and appropriate
allocation of work, enabling every analyst to get a chance to work on
different portfolios.

• Ensure that the model used is appropriate by interacting with credit
managers and front office regarding transactions.

• Liaise with other departments within Risk with regards to inputs that
are required for credit ratings by providing updates and giving
feedback on models.

• Provide ad hoc training and coaching to junior staff within credit and
new staff members within Investment Banking (IB) through provision
of manuals, explanations, and demonstrations.

• Support the achievement of the business strategy, objectives, and
values by reviewing the Business Unit Plan and ensuring
delivered systems, process, services, and solutions are aligned.

Essential Qualifications - NQF Level

• Advanced Diplomas/National 1st Degrees

Preferred Qualification

• Honours Degree in Finance.

Minimum Experience Level

• 2-3 years’ experience within a risk environment


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