Credit Analyst – Corporate Banking

4 days ago

Pretoria, Gauteng, 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:

  1. Perform credit analysis, credit ratings, and post-loan management.
  2. Manage, measure, monitor, and report credit risks timely.

Provide support to the Risk Manager to achieve asset and related KPI targets.

Key Performance Areas (Objectives)
  1. Conduct comprehensive and effective analysis, credit ratings, covenant monitoring, pre and post-loan management of clients, and manage and maintain credit risks.
  2. Complete, facilitate, coordinate, monitor, and participate in the credit process both locally and with Head Office for the respective Team.
  3. Ensure customer due diligence is carried out prior to onboarding a new credit customer and on a regular basis thereafter.
  4. Monitor the customers' performance from a credit perspective.
  5. 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 the Credit Committee (CC) or in the Head Office Credit Applications.
  6. Ensure that credit applications and reports are correct, consistent, and complete, presented in a logical, clear, and professional manner highlighting the key credit risk.
  7. Assist with additional information as required by the local CC, Risk Management department (RMD), or Head Office Credit and/or International department timely.
  8. Query information that is unclear or contradictory and may pose risk with the RM and client as required.
  9. Communicate and liaise with clients when required for gathering additional and clarifying information related to credit ratings and credit applications.
  10. Complete credit ratings in a timely manner to provide sufficient time for all required review processes, in accordance with applicable policies and procedures.
  11. Identify the appropriate credit rating model for each new counterparty, in accordance with applicable policies and procedures.
  12. Ensure that all required Customer Information (CI) on NGS is captured accurately prior to initiating a credit rating process on CLPM.
  13. Capture financial information in the credit rating model on CLPM and perform credit ratings accurately, exercising sound risk-based judgment.
  14. Compile necessary supporting credit rating documents for submission to the CC for approval.
  15. Plan and meet due dates for all credit reports and documentary processes, and follow submission procedures and requirements.
  16. Send all electronic and paper copies of all credit documentation to the Administration team in accordance with applicable policies and procedures.
  17. Manage, execute, measure, and monitor approval conditions post-loan.
  18. Assist the RM in monitoring and reporting on all customers for early warning signals and all material risks.
  19. Work closely with RMD and expats to understand credit and post-loan management requirements and ensure compliance.
  20. Monitor security and collateral where applicable, ensuring the status and preservation thereof for the duration of the facilities.
  21. Comply with all regulatory requirements pertaining to banking.
  22. Complete assigned tasks and special projects with a sense of urgency within timelines.
  23. Assist RM to generate new business by actively engaging with potential and existing customers.
Job Requirements

Education / Qualifications + Professional Memberships:

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

Job-related experience required:

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

Job-related knowledge required:

  1. Ability to communicate verbally in English (Strong Ability) – Essential.
  2. Ability to write in English (Strong Ability) – Essential.
  3. Ability to negotiate – Essential.
  4. Ability to work under pressure and independently – Essential.
  5. Financial Literacy / Numeracy – Essential.

Job-related skills required:

  1. Administration Skills – Essential.
  2. Logic – Essential.
  3. Problem solving – Essential.
  4. Banking Products knowledge – Essential.
  5. Communication + Negotiation Skills – Essential.

To apply for this role please send your CV to [email address].

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