Credit Review Analyst

4 days ago

Midrand, South Africa DBSA Full time

The purpose of this position is to ensure that the credit quality of the portfolio is managed and maintained within the Bank’s risk appetite. The Credit Review Analyst will manage a portfolio of high value and/or high-risk clients, conducting high quality credit evaluation and financial assessment of the borrower’s credit worthiness and disseminating these findings through high quality reports outlining key credit risks, credit mitigation and recommendations. Additionally, the Credit Review Analyst will review the quality and detail of key credit assessment deliverables of the Credit Analysts, ensuring that these are executed within in a diligent and timeous manner.

**Key Responsibilities**:
Credit Risk & Advisory Services, Monitoring & Reporting
a) deal assessment and structuring, including financial analysis/modelling and stress testing with regards to ensuring that new and existing business written is of an acceptable risk.
b) adherence to credit limits; and adopting the appropriate credit scoring methodology.
c) ensure credit ratings and loss given default (LGDs) together with return on investments proposals are acceptable to the Bank.
d) issuing recommendations as to the creditworthiness of a given project or counterpart.
e) meeting with internal and external clients in the context of assessing credit risk.
2. Perform annual and on-going credit and financial review of clients in the allocated Portfolio.
3. Form part of the deal closing team to:
a) negotiate covenants, collateral and legal conditions with clients and co-lenders, in accordance with the Bank’s approved key terms; and
b) disburse approvals in accordance with the Bank’s internal procedures and legal agreement conditions.
4. Reviewing and signing off covenants and annual reviews, keeping up to date on other credit risks including active credit migration of clients on/off the Watchlist and NPLs book.
5. Review the Credit Analysts client risk reports to:
a) Check the quality and relevance of information captured within the report
b) Verify accuracy of data and/or establish errors or weakness in the credit risk analysis by evaluating the model assumptions, analysis and interpretation, and appropriateness of recommendations made.
c) Guide Credit Analysts to produce acceptable credit reports and quality assure submissions.
d) Ensure adherence to credit / loan policy, procedures, and regulations as it relates to credit
6. Monitoring and produce reports detailing exposures to risks for a portfolio of key clients.
7. Adhere to Bank’s lending protocols, credit risk management policies and procedures and ensure that they are fully complied with and that any policy breaches have been suitably addressed, mitigated and/or escalated.
8. Scan the business and operating environment to detect and respond to emerging risks and those associated with change and advise divisional management and staff on any credit and other risk related issues within the portfolio, as they arise.
9. Provide support to management by representing DBSA management where required.
10. Exercise mandated responsibility in areas where the incumbent has delegated authority for project approval, jointly with other relevant staff.
Review Oversight
1. Optimize skills usage within the area of responsibility, minimizing "key-man" risk.
2. Oversee the work output of respective Credit Analysts in relation to quality standards, agreed benchmarks, objectives and required timeframes.
3. Develop the skills and abilities of team members, with the result that they perform at their highest potential and optimize their current and future job performance.
4. Contribute to building synergies and cooperation across functions in the DBSA.
5. Promote DBSA values and a culture of High Performance within the unit.
Key Measures
1. High quality of credit evaluation and financial risk assessment and reporting, not compromising on accuracy and speed to meet deadlines.
2. Annual reviews completed (% complete by Value and by Number) for all clients in the portfolio, within the agreed timeframes.
3. Effective collateral, covenant and undertakings monitoring, and reporting completed within agreed timeframes.
4. Disbursements and NPLs achieved within agreed targets.
5. Fully comply with the Bank’s key Governance & Compliance measurement requirements.
6. Ongoing monitoring of high-risk clients and 100% of Watchlisted clients monitored and reported to and as required by the Portfolio Committee; and any other Committee so directed.

**Expertise & Technical Competencies**:
Minimum Requirements
1. A minimum Bachelor’s Degree in Financing, Accounting, Economics or Engineering.
2. A minimum of 5 years’ work experience (post Articles) in wholesale credit risk management, corporate or investment banking or similar, with strong analytical experience (.
3. Practical knowledge of Credit Risk Management and a broad appreciation of the range of Compliance and Enterprise Risk Management and Reporting practices.
4. S

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