Credit Analyst

2 months ago

Johannesburg, South Africa CA Global Headhunters International Full time

Reference No. MTBSCA

**Job Description:
**Responsibilities:
Credit Analysis:

- Critically analyse a client’s business upfront and on an ongoing basis ensuring the Credit Risk is understood, monitored and managed.
- Rate clients through rating model and analyse & comment on financial statements.
- Analyse, interpret & interrogate financial models and check assumptions to ensure appropriate models are presented to the Committee for approval.
- Client visits upon onboarding and full independent credit analysis for each new transaction.
- Evaluate and monitor collateral and other credit risk mitigations.
- Presentation to Riparian Credit Committee and other Fund Management Limited Committees where appropriate.
- Manage all credit related matters on a portfolio of clients from pre-approval to disbursement to post trade disbursement monitoring.
- Manage portfolio of clients within an acceptable NPL ratio.
- Follow up on roll report, approve smart arrears.
- Country, industry, covenants monitoring, breaches, monitoring credit exposures, own credit exposure and maintain client relationships.
- Systematic review of financials at borrower level. Quarterly stress testing of client profile taking into account a) country analysis b) collateral changes c) industry analysis d) monthly stress testing of LTV potential shortfall where relevant. Monthly/quarterly frequency with review in appropriate committee (at least for part of D). Periodic review of Expected Credit Loss assumptions.
- Timely identification of high-risk exposures for transfer to the Proactive Risk Management list. Develop stress testing framework.

Country Risk Analysis:

- Analyse trends and developments where the borrowers are and suggest mitigation strategies where necessary.
- Active oversight of country developments (economic growth, political developments, upcoming elections).
- Leverage existing S&P ratings, periodic one-pager on country development with clients’ exposures, level of comfort.
- Monitor Country Risk Exposure and report aggregate credit exposure at country level.
- Stress testing of credit exposure at country level across all borrowers within a country.
- Report to appropriate committees on a regular basis with country overview.

Credit Approvals:

- Responsible for credit paper and taking deals through the credit process from origination to post close monitoring.
- Pre-trade approvals - provide guidance on credit appetite and deal structuring before presentation to Credit Committee
- Approve/escalate margin calls as appropriate.
- Ensure deals are legally structured in accordance with credit conditions and approvals.
- Approval of non-standard settlements and legal terms, escalation (e.g. longer cure period, longer close out, longer termination period). Determine appropriate LMT terms (limits monitoring, margin payments, termination). Legal & Credit to work together to reach satisfactory outcomes in legal agreements with terms impacting Credit.
- Approval of collateral managers/monitors where required and maintain list of approved collateral managers.
- Ensure relevant representation of industry experts for particular transactions as part of the Credit process (e.g. expertise in collateral management for particular commodities).
- Ensure conditions are fully closed at or prior to deal closing.
- Perform other ad-hoc tasks e.g. take minutes at Credit Committees, handle queries, report on the portfolio, etc.

**Requirements**:

- Key experience: Corporate / SME Credit Analyst, Trade Finance/Structured Trade Finance/Working Capital Finance/Supply Chain Finance Experience, Africa Experience
- Degree or equivalent in Finance, Accounting, or Economics.
- 3 years of Credit Analysis experience, 2 years in Wholesale/Investment/Business Banking.
- Specialized experience in Trade Finance/Structured Trade Finance/Working Capital Finance/Supply Chain Finance.
- 2 years of solid understanding of finance and risk matters, with in-depth portfolio and risk management experience.
- Proficient use of Microsoft Office, particularly Excel and Word at an advanced level.
- 2 years’ experience doing business in Africa.

**Benefits and Contractual information**:

- Full time position.
- Ability and willingness to travel at least one week a month.
- Based in Johannesburg, South Africa.

**Matthew Taylor**

Recruitment Consultant

**CA Finance

  • Credit Analyst

    4 weeks ago

    Johannesburg, South Africa RPO Recruitment Full time

    We are looking for a professional Credit Analyst to determine our customers’ creditworthiness. You will analyze financial data to assess the likelihood of a borrower honouring their financial obligations. **Responsibilities**: - Assess creditworthiness of existing or prospective clients - Deliver a multidimensional perspective on the investment outlook...

  • Credit Analyst

    1 month ago

    Johannesburg, South Africa Staff Solutions Full time

    Gauteng, JHB - Eastern Suburbs - Monthly (Market related) We are seeking an experienced Credit Analyst for our client in the Automotive Industry based in Kempton Park. **Duties**: - Gathers and analyses loan applicants’ financial data to evaluate risk - Assesses credit worthiness of individuals, companies and institutions - Collaborates with other...

  • Credit Analyst

    1 month ago

    Johannesburg, South Africa GP Consult Full time

    Gauteng, JHB - Eastern Suburbs - R 28000 - R 30000 Monthly Basic Salary (Medical + Provident ) Credit Analyst - Kempton Park - Automotive Sector - Gathers and analyses loan applicants’ financial data to evaluate risk - Assesses credit worthiness of individuals, companies and institutions - Collaborates with other financial experts/ members of credit...

  • Credit Risk analyst

    4 days ago

    Johannesburg, South Africa Credit Link Placements Full time

    The overall purpose of the job is to assess and mitigate risk by carrying out a comprehensive and quality credit risk function by analyzing the client’s business, financial statements, and management accounts in order to provide a recommendation on new accounts and existing accounts annually. · Record new account information in the new accounts register...

  • Credit Analyst

    4 weeks ago

    Johannesburg, South Africa Snatch.Work Full time

    We’re seeking young **Credit Analyst **interested in working for a fast growing provider of short - term credit based in **Melrose Arch, Johannesburg**. This company leverages strong technology to assess a potential client's ability to finance a short - term loan. The company differentiates itself by it’s speed of response to the credit request. **Roles...

  • Credit Analyst

    2 weeks ago

    Johannesburg, South Africa RPO Recruitment Full time

    RPO's client in the financial services industry is currently seeking a Credit Analyst to join their team of professionals in Johannesburg. As a Credit Analyst, you will be responsible for determining our customers’ creditworthiness by analyzing financial data and assessing the likelihood of a borrower honouring their financial obligations.Responsibilities...

  • Credit Analyst

    1 month ago

    Johannesburg North, South Africa Communicate Recruitment Full time

    An organisation with a dynamic culture and focus on growing small businesses is looking for an intellectually engaged Credit Analyst to join their team. **Qualifications**: - BCom Degree **Skills**: - Minimum 3 years’ experience in relevant field - Experience working with SME’s - Project management skills - Strong computer skills **Job...

  • Credit Analyst

    1 month ago

    Johannesburg North, South Africa Communicate Recruitment Full time

    An organisation with a dynamic culture and focus on growing small businesses is looking for an intellectually engaged Credit Analyst to join their team. **Qualifications**: - BCom Degree **Skills**: - Minimum 3 years’ experience in relevant field - Experience working with SME’s - Project management skills - Strong computer skills **Job...

  • Credit Analyst

    1 month ago

    Johannesburg, South Africa FirstRand Full time

    Job Description Hello future Credit Analyst Ashburton Investments is a new generation investment manager that offers investors access to more sources of return and more ways to manage risk. In the institutional space in South Africa as well as our Global business, we pride ourselves on offering solutions to address clients’ holistic balance sheet needs,...

  • Credit Risk Analyst

    1 month ago

    Johannesburg, South Africa The Corporate Circle Full time

    Credit Risk Analyst. R50 000 CTC. Sandton. Relevant business degree. 3-5 years experience in the Credit or Data Analyst role. Strong SAS and advanced Excel essential and not negotiable. Strong team players with problem solving skills. Able to work independently. Able to transform raw transactional data into a final campaign file. Able to enhance...

  • Credit Risk Analyst

    2 months ago

    Johannesburg, South Africa The Corporate Circle Full time

    Credit Risk Analyst. R50 000 CTC. Sandton. Relevant business degree. 3-5 years experience in the Credit or Data Analyst role. Strong SAS and advanced Excel essential and not negotiable. Strong team players with problem solving skills. Able to work independently. Able to transform raw transactional data into a final campaign file. Able to enhance and...

  • Senior Credit Analyst

    1 month ago

    Johannesburg, South Africa RPO Recruitment Full time

    Our client, an established Investment Manager, is currently seeking a Senior Credit Analyst with Asset Management experience to join their team of professionals in Johannesburg. **Responsibilities**: - Analyze financial data and credit history to determine the likelihood of a borrower honoring their financial obligations - Evaluate the overall...

  • Credit Analyst

    1 month ago

    Johannesburg, South Africa Affirmative Portfolios Full time

    **Finance** **JHB North** ***: **CREDIT ANALYST** **JOHANNESBURG NORTH** **SALARY - MARKET RELATED** **JOB OUTLINE** **Department** - Risk & Compliance **Reports to** - The Senior Credit Risk Manager **Key Responsibilities**: - Produce accurate risk reports with commentary and in the correct format - Support continuous development of credit risk...

  • Credit Analyst

    1 month ago

    Johannesburg, South Africa Communicate Recruitment Full time

    Analyze Risk, Drive Success, and Shape the Future of Manufacturing as a Credit Analyst! **Responsibilities**: - Conduct comprehensive financial analysis, including creating and analyzing financial models and forecasts. - Assess the creditworthiness of clients by analyzing financial statements, credit reports, and other relevant information. - Prepare risk...

  • Credit Analyst

    4 weeks ago

    Johannesburg, South Africa SET Recruitment Consultants Full time

    **Credit Analyst - Asset Finance** *** **Main Responsibilities** - Key role to assess Credit Applications for Asset Finance specialising in Capital Equipment. - Assess deals for yellow metals, mining, construction, solar etc. - Interpret relevant information and analyse financial statements. - Prepare reports, make recommendations and present deals in...

  • Credit Data Analyst

    2 months ago

    Johannesburg, South Africa Hire Resolve Full time

    Hire Resolves client, an emerging FinTech company is seeking a skilled Credit Data Analyst to join their team. As a Credit Data Analyst, you will be responsible for analyzing credit data to assess risk and provide insights to drive business decisions. Responsibilities: Measure and manage the performance across multiple credit products. Evaluate and improve...

  • Credit Analyst

    2 months ago

    Johannesburg North, South Africa Communicate Recruitment Full time

    A fast-growing organization with a dynamic culture and focus on growing small businesses is looking for an intellectually engaged Credit Analyst to join their team. **Qualifications**: - BCom Degree in Accounting **Skills**: - Minimum 3 years’ experience in relevant field - Experience working with SME’s - Project management skills - Strong computer...

  • Credit Analyst

    1 month ago

    Johannesburg, South Africa FirstRand Full time

    About us, purpose, experience and qualifications **about us**: **purpose**: - To assess, review, approve and monitor counterparty credit risk in alignment with the relevant Credit risk management frameworks to enable risk mitigation**experience and qualifications**: - Honours degree (Accounts III) Preferred qualification: - Accounting...

  • Credit Analyst

    1 month ago

    Johannesburg, South Africa FirstRand Full time

    Job Description To assess, review, approve and monitor counterparty credit risk in alignment with the relevant Credit risk management frameworks to enable risk mitigation - Understand and keep abreast of the critical key macro environmental impacts and inter-relationships e.g. jurisdictional compliance, sector developments, regulations, financial markets,...

  • Credit Risk Analyst

    2 months ago

    Johannesburg North, South Africa Communicate Recruitment Full time

    A giant JSE-listed listed organisation is looking to employ a Financial Analyst to monitor and diagnose benchmarks and trends across financial data, systems and processes. is in the market for a Credit Risk Analyst with a MSc/BSc (Hons) to join their multinational organization. The purpose of this role is to provide data-driven and quantitative analysis that...