Junior Credit Analyst

3 days ago

Centurion, South Africa Investments Management Full time

**Introduction**

Through our client-facing brands Metropolitan and Momentum, with Multiply (wellness and rewards programme), and our other specialist brands, including Guardrisk and Eris Property Group, the group enables business and people from all walks of life to achieve their financial goals and life aspirations.

**Role Purpose**

The role of the Credit Analyst is to provide analysis and recommendations on potential credit investments as an input into the credit portfolio management process.

**Requirements**:

- Degree in Accounting, Finance, Mathematics or Statistics
- Relevant Honours degree, CA or CFA / working towards CFA (advantage)
- 2+ years relevant experience in a banking or asset management environment
- Practical experience working with credit market securities (including structured securities)
- Financial Statement Analysis
- Excel proficiency, with the ability to build corporate financial models (advantage)
- Strong research acumen

**Duties & Responsibilities**
- Custodian of the fixed income team credit process and philosophy.
- Analysis of individual credit quality of borrowers in the fixed income team’s investable universe.
- Compile analyst reports with exposure recommendations on credit quality on a probability of default perspective.
- Generate internal credit ratings for issuers in the investable universe.
- Determine the fair value spread required before investing.
- Contribute to the view on credit quality and pricing prior to exposure taken.
- Reporting generation to the various governance committees.
- Contributing member of the fixed income credit view in the TAA process
- Contribute and enhance the credit research process.
- Generating new credit opportunities for implementation in portfolios.
- Regular engagement with management teams as part of our ESG process.
- Contributor to the credit watch list and regular updates and reviews of existing credit exposures.
- Making credit exposure calls independent of outside influence.
- Analyse new credit investments and make recommendations for portfolio inclusions.
- Monitor existing investments within the portfolios.
- Maintain updated information per investment.
Report to the Committee on credit issues within the portfolio.
- Integrate market information into investment views.
- Assist the Business Development and Marketing departments with client communications and investment presentations.
- Present at client events.
- Build and maintain relationships with stakeholders.
- Participate in external networking and representation on related forums.
- Contribute to a client service excellence culture which builds enduring relationships and allows team to provide exceptional client service.
- Drive efforts to improve client service and fair treatment of fixed income clients.
- Participate and contribute to a culture which builds rewarding relationships, facilitates feedback and provides exceptional client service.

**Competencies**
- Client focused.
- Team player.
- Good corporate citizenship.
- Self-management skills.
- Providing Insights and Collaborating.

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