Asset Finance Analyst

4 days ago

Sandton, South Africa Absa Bank Limited Full time

Bring your possibility to life Define your career with us
- With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.Job Summary

**Job Description**:
Accountability: Prepare Credit Applications
- Conduct research on the industry in which the client operates to understand the industries overall profitability, industry trends and client’s market standing relative to its competitors.
- Perform robust financial and non-financial analysis on the client that will support and underpin all new proposals for commercial asset finance in terms of the clients’ credit risk implications.
- Maker use of clients’ historical data for example, its financial statements to forecast the clients potential growth and sustainability. Conduct a sensitivity/scenario analysis to determine the impact that a change, in for example the economy, political situation, consumer demand, etc. will have on the clients’ financial health.
- Based on analysis conducted structure a commercial asset finance lending solution for the client, that will account for the potential threats to the client and that is within set credit limits and the Bank’s credit lending policies and appetite.
- Compile a proposal which summarizes the clients background and commercial asset finance needs, the research findings and the final recommendation on which commercial asset finance credit lending solution is best for the client, for the Credit Manager to approve in the interim and escalate further for the necessary approval.
- Upon reviewing the client’s financials submit recommendations of risk mitigating value added insurance products to be added onto the finance agreement. These products will mitigate the risk to both the bank and the client.
- Produce relevant management information and manage exposures including the maintenance of the relevant systems.
- Pro-actively manage credit risks associated with the commercial asset finance importation transactions.
- Request of valuations on movable and immovable assets which serve as security for commercial asset finance facilities.
- Utilize applicable software to assess client financial information and submit financials through to Remote Balance Sheet Extraction Unit (RBEU) prior to updating a WEBICA
- Monitor credit lines on a continuous basis and ensure formal reviews at specified time intervals or arrange extensions.

Accountability: Relationship Management
- Liaise with RE and BDO consultants / or clients in order to achieve acceptable levels of approved credit facilities.
- Accompany RE / BDO Consultants to client visits in order to obtain relevant financial information and understanding for the credit process.
- Liaise with group legal and prepare relevant master agreements for signature by client.
- If the CAF BDO is unable to meet with the client, the BA must be responsible in signing the asset based finance credit agreements with clients and provide the necessary FAIS advice.

Accountability: Compliance
- Ensure that all of the Bank’s credit policies and philosophy are fully complied with at all times, and that any policy breaches have been suitably addressed and mitigated against.
- Ensure adherence to commercial asset finance target market criteria and that all deviations is suitably addressed and mitigated against.

Accountability: Reporting

NQF level no. 7 - Essential: 3 Years financial statement analysis in credit environment.
- Preferred: Credit Risk Assessment experience

Education

Bachelor's Degrees and Advanced Diplomas: Business, Commerce and Management Studies (required)
- Absa Bank Limited reserves the right not to make an appointment to the post as advertised_

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