Financial Analyst/ Credit Risk

2 days ago


Sandton, South Africa RJPersonnel Full time

2years

Critical assessment of credit risk of new companies falling in the analyst’s portfolio (the portfolio may change from time to time);
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 company in analyst’s portfolio;
Document analysis in the standard Credit Application Format - information should be accurate, complete, comprehensive and of good quality;
Critically and independently making recommendations to the relevant committees;
Close consultation with Credit Portfolio Management (“CPM”) to enable CPM to calculate accurate Risk-Return-Rewards;
Ongoing monitoring of transactional and credit risk aspects in analyst’s portfolio; and

Ensure compliance with the Credit Risk Strategy and Policy at all times.

Assist CPM with proposals on Economic Capital limits per sub-sector.

**Qualifications and Experience**:
B.Com or relevant tertiary business qualification.

Corporate and institutional experience in the banking or insurance environment will be an advantage.

Competencies

**Analytical and numerical skills**: ability to analyse financial statements and quantify financial risks;
Ability to produce written reports in order 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 processing and spread sheet software; and

Ability to interface seamlessly with other team members, both of credit as well as the front office teams.


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