Credit Specialist

6 days ago

Cape Town, South Africa Fnb Namibia Full time

Credit Specialist – Location: Cape Town | Posted 8 days ago | Employee ID R (9 days left to apply) | End Date: November 30 We design for the shapeshifters and deliver products and services that make us incredibly proud of people that make it happen. Job Description Analyses credit data to estimate degree of risk in extending credit or lending money. Consults with management to assist in corporate planning. Responsibilities Support and manage a portfolio of HNW & UHNW clients Attend client meetings together with the lending specialist and advisory team Deep knowledge of the client and larger group structure across all pillars (lend, invest, insure and transact) Understand the client's wealth creation strategy; immediate lending need vs unlocking value, optimizing the balance sheet and spotting lending opportunities. Operating and investment entities within the group in respect of financial ratios, cash flows, trends; historic performance, sustainability, projections and future aspirations; industries the client is operating in (upsides, risks, trends etc); various lending products available to solution for the client across FSR; risk vs Reward principles and overall value proposition. Structuring the deal and compiling the credit paper Present the request to the relevant mandated individuals or committees Explain the credit outcome, covenants, structure and process to the client and sale Qualifications Track and monitor ongoing risk relevant to a client group, as well as deal specific reviews and covenants Flag and unpack economic and industry trends / risks within the portfolio Engage various stakeholders across FSR to ensure client level decisioning and solutions Pro‑actively manage risk vs triggers / events Deliver customer experience excellence aligned to Organizational values and service standards Innovate and have an efficient mindset to constantly improve the overall value add and client experience of this base with a cost reduction and management mindset Benefits Opportunities to network and collaborate A challenging working environment Opportunities to innovate Requirements A BCom Finance / Accounting OR CA(SA) A business acumen with 1-3 years plus credit experience A deep understanding of financial statement analysis and credit risk assessment The ability to model cash flows for debt service considering industry and company specific information; building assumptions for forecasting; key ratio analysis and covenant construction Dealmaking and solutionist mindset Excellent communication and collaboration skills with both internal and external customers (sales, credit & risk community, clients etc.) Self‑motivated, work independently and within a group, attention to detail, high level of integrity. Writing, speaking and presentation skill sets Legal Statements All appointments will be made in line with FirstRand Group's Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties. We look forward to engaging with you Thank you for your interest in joining our talent community. #J-18808-Ljbffr

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