Credit Risk Analyst

22 hours ago

Sandton, South Africa Bank of China Limited Johannesburg Branch Full time

Key Responsibilities To pursue the branch's growth strategy by providing credit and trade finance business products on a bilateral and syndicated basis. Assist the team with financial analysis, assessment of cash flows, industry risk assessments and due diligence report (credit risk reports) based on specific credit applications from client‑facing business units serving clients both locally and internationally. Reviewing and commenting on post‑lending management reports where necessary, processing annual reviews of existing clients, monitoring progress of developments, reporting on bilateral and syndication post‑lending requirements and covenants as well as dealing with ad‑hoc reporting as required. Actively engaging with members of other Credit Review Committees (CRC) locally and at EMEA (London)/Head Office (China), to present risk findings and deal with queries from submission up to when a decision is finalised. Promote and enhance strategies for credit business development, green finance and other risk‑related areas outlined in branch policies. Lead the process on high‑risk and non‑performing loan recovery accounts to ensure consistent progress on account repayments and collections for those accounts that are handed over. Monitor watch‑list accounts and ensure risk reports are submitted to Head Office if there are major risk events. Work closely with the internal rating process, expected credit loss (ECL) reporting as well as RAROC and EVA calculations within the team, ultimately informing the credit decision process. Qualifications & Experience Credit Risk Analyst: 2 – 3 years credit experience in banking. Credit Risk Manager: 5 – 10 years credit experience, preferably with large corporate exposure. Experience in dealing with different credit products across various industries, dealing in collateral and understanding of legal documentation across various jurisdictions. Able to suggest alternative funding solutions by making recommendations based on credit policy guidelines. Proficient in MS Office software packages (Excel and Word). Knowledge of the South African Company Act, Bank Act, Basel III, etc. Seniority Level Entry level Employment Type Full‑time Job Function Other Industries Banking and Financial Services #J-18808-Ljbffr

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