Credit Analyst

5 days ago

Sandton, South Africa Sanlam Full time

Who are we?
Sanlam Specialised Finance (SanFin) is responsible for creation of shared value for Sanlam, its shareholders, policy holders, and societies with in which it operates by managing financial risk, developing financial products, and balance sheet optimisation, pursuing investments and financing opportunities in assets, sectors, markets, organisations, and geographies that enable maximum return within acceptable risk parameters. What will you do?

Responsible for the credit risk management of a portfolio of counterparty exposures: identifying, measuring, monitoring and managing credit risk for all product types on a single obligor, group and portfolio basis:
Critical assessment of credit risk falling in the assigned portfolio.
Produce research and impart knowledge to the broader business and credit committees on developments in the portfolio.
Identification of transaction and business specific risk and introduction of risk mitigation factors on new transactions.
Perform comparative analysis amongst industry peers to assess a proposed counterpart’s position relative to its industry peers.
Annual, semi-annual, quarterly assessment of credit risk per counterparty in the portfolio.
Financial analysis and credit ratings to be accurate and updated as and when new information becomes available, using the suite of models used by SanFin.
Critically and independently making recommendations to the relevant committees.
Close consultation with Credit Portfolio Management (“CPM”) to enable CPM to calculate accurate Economic Capital and Risk-adjusted return statistics.
Ongoing monitoring of transactional and credit risk aspects in the portfolio.
Ensure compliance with the Credit Risk Strategy and Policy at all times.

Assist various Risk Departments with the implementation of new transactions:
Assist Compliance Department where necessary with relevant information related to new account opening procedures.
Assist the Legal Department where necessary with the finalisation of legal documentation.
Assist the Legal Treasury Advisor with information pertaining to Facility Agreements and CSA documentation.

**Other**:
Ongoing monitoring of limits and exposures in the portfolio.
Assistance in resolving breaches.
Interaction with front office on debt funding initiatives.
Maintain credit files (electronic format) of counterparts, in good order.
Take responsibility for reporting requirements as allocated from time to time.

Qualification, Skills and Experience
Minimum B. Comm or relevant tertiary commerce qualification
Minimum of 4 years of relevant corporate credit analysis experience in the banking, insurance, or asset management environment within an overall credit portfolio context
Previous exposure to credit processes and procedures essential
Previous experience in assessing and monitoring of credit derivatives and other, would be advantageous

**Analytical and numerical skills**: ability to analyse financial statements and quantify financial risks
Ability to produce written reports to highlight financial matters of importance
General knowledge of business, industry and the macroeconomic environment and financial markets
Experience of commercial law principles and ability to assist with the documentary process (with legal assistance)
Good presentation skills
Strong organising and planning abilities

**Computer literacy**: proficiency in Word and Excel
Ability to interface seamlessly with other team members, both of credit as well as the front office teams
Qualification and Experience Degree or Diploma with 4 to 6 years related experience. Knowledge and Skills Competitor analysis Rank companies within industry based on credit rating Written reports for lending decisions Recommendations and presentation of results Financial Modelling Personal Attributes Manages complexity - Contributing through others Decision quality - Contributing through others Financial acumen - Contributing through others Manages conflict - Contributing through others Build a successful career with us
We’re all about building strong, lasting relationships with our employees. We know that you have hopes for your future - your career, your personal development and of achieving great things. We pride ourselves in helping our employees to realise their worth. Through its four business clusters - Sanlam Life and Savings, Sanlam Investment Group, Sanlam Emerging Markets, Santam, as well as MiWay and the Group Office - the group provides many opportunities for growth and development. Core Competencies Cultivates innovation - Contributing through others Customer focus - Contributing through others Drives results - Contributing through others Collaborates - Contributing through others Being resilient - Contributing through others Turnaround time
The Sanlam Group is committed to achieving transformation and embraces diversity. This commitment is what drives us to achieve a diverse, inclusive and equitable workplace as we believe that these are key compo

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