Senior Credit Analyst

7 months ago

Johannesburg, South Africa FirstRand Full time

Job Description

The Position

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, and to support business strategies in the reallocation of investment capital in the face of increasing regulatory pressures. We see institutions as but not limited to, pension funds, long and short-term insurers, re-insurers, as well as medical aid schemes.

The Credit Research function oversees the credit exposures within the Ashburton Investments portfolios/mandates. This includes but is not limited to credit co-investment funds as well as full discretionary mandates for both local and offshore in both the listed and unlisted space. This role reports to Ashburton Investments Head of Credit Research.

The Senior Credit Analyst will work closely with the Risk function in Ashburton to ensure all breaches per credit limits are reported timeously, and specific action is taken to address the breaches.

Specific Responsibilities

Critical to this role is the management of credit default rates. This role requires the incumbent to display strong analytical insight coupled with in
- depth credit knowledge.
- Credit Research_- All existing functions performed by the Senior Credit Analyst.- Manage the planning, execution and governance for new and annual credit reviews/ratings and deal transactions.- Review and quality control submissions by Junior Credit Analysts to the relevant investment
- Committees_- Presentation, support, and enablement of team members at relevant governance forums.-
- Responsible for assessment of new transactions where Credit risk is undertaken.-
- Proactive engagement with deal teams on complex deal transactions around structure, covenants and pricing-
- Interact with relevant Legal Advisor to ensure that Legal agreements are concluded for all transactions where credit risk is taken.-
- Review of exposure limits, ratings and systems for Credit exposures.-
- Ensure team compliance with the bank’s credit risk framework, lgd models and prudential limit guidelines-
- Work closely with the Head of Credit Research in the management and reporting of breaches in terms of concentrations and risk limits-
- Attendance, input and interaction at relevant forums, committees etc. related to Credit Risk.Participate as a voting member on the assigned credit committee-
- Make recommendations to optimise credit processes and “ways of working”-
- Ad hoc requests related to credit research function- Client Engagement_- Providing key stakeholders with pro-active research insights into trends, market risk appetite, issues, threats, and opportunities in all credit portfolios-
- Be proactive in sharing insights across the Ashburton business and risk cluster in respect of counterparties where Credit exposure is taken.-
- Partnering with business clusters to maintain credit losses, profitability and other credit risk exposures-
- Work in collaboration with the Portfolio Managers, to ensure alignment in thinking about credit exposures.- Asset Class Knowledge_- Provide insight and optimise problem management processes with risk prone investments on the surveillance and watchlist-
- Facilitate the understanding for the suitability of instruments for specific portfolios in accordance with their mandates.-
- Propose strategies for managing identified risks in credit- Analysis_- Ensure the analysis, identification and mitigation of counterparty exposures and mitigations through detailed knowledge of environmental factors.-
- Have a detailed knowledge of the critical key macro environmental impacts and inter-relationships e.g. jurisdictional compliance, sector developments, regulations, financial markets, country risk-
- Understand and apply/translate the critical micro-environmental impacts and relationships e.g. company performance trends, financial data, debt profile, gearing, projected cash flows, operations-
- Proactively manage credit risk metrics that are identified via risk dashboards and reporting-
- Provide technical support in the implementation of a credit limit monitoring system with Risk and Operations.- Qualifications & experience- CA(SA), CFA considered favourable.-
- Minimum 5 years relevant experience in an asset management environment and exposure to credit portfolio risk-
- Exposure to credit risk modelling-
- Knowledge of factors affecting national and global companies and their impact on investors-
- Knowledge of risk management methodologies, tools, governance structures and regulatory requirements-
- Thorough understanding of the investment process and the risks therein- Personal attributes- Self-starter-
- Strong people skills needed in order to build trust and confidence within the Ashburton business.-
- Good communication and presentation skills-
- Must

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