Credit Risk Analyst

2 weeks ago

Sandton, South Africa Ashburton Fund Managers (Pty) Ltd Full time
About the Role

Ashburton Fund Managers (Pty) Ltd is seeking a skilled Credit Analyst to join our team. As a Credit Analyst, you will play a critical role in overseeing credit exposures within our portfolios and mandates.

Key Responsibilities
  • Manage the planning, execution, and governance of new and annual credit reviews/ratings and deal transactions.
  • 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.
  • Make recommendations to optimize credit processes and 'ways of working.'
  • Ad hoc requests related to credit research function.
  • Providing key stakeholders with proactive 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.
  • Provide insight and optimize 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.
  • 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.
Requirements
  • Have completed CA(SA), CFA considered favorable.
  • Minimum 3 years relevant experience in an asset management or investment banking environment and exposure to credit portfolio risk.
  • Have exposure to credit risk modeling.
  • Have knowledge of factors affecting national and global companies and their impact on investors.
  • Have knowledge of risk management methodologies, tools, governance structures, and regulatory requirements.
  • Have a thorough understanding of the investment process and the risks therein.
About Us

Ashburton Fund Managers (Pty) Ltd is a new generation investment manager that offers investors access to more sources of return and more ways to manage risk. 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.

We are committed to building a diverse and inclusive team that reflects the communities we serve. We believe that diversity and inclusion are essential to our success and are committed to creating an environment where everyone feels valued, respected, and empowered to contribute their best work.

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