Senior Credit Risk Manager

2 months ago


Sandton, South Africa TalentCru Full time
About the Role

TalentCru is seeking a highly skilled and experienced Senior Credit Risk Manager to join our team. As a key member of our credit risk management team, you will be responsible for ensuring the integrity of our clients' portfolios and instilling an effective and appropriate risk management culture.

Key Responsibilities
  • Conduct thorough and rigorous testing of base case assumptions provided by clients or client-facing teams and provide independent attestation on the merits of the business case.
  • Process credit proposals, compile Credit Submission Reports, and disseminate them to Credit Committees.
  • Request amendments to proposed terms, such as gearing/leverage requirements, default covenants, cash sweep mechanisms, and tenor increases/decreases.
  • Address issues within the credit management cycle, including ensuring annual reviews are undertaken at least annually by CSG and risk grades are updated.
  • Proactively assist clients ahead of distress, improve portfolio credit quality, and avoid concentrations to ensure earnings and growth.
  • Collaborate with the Legal department to adopt a consistent approach in drafting standardized finance documentation across Group Counterparties.
  • Partner with Risk Governance and Portfolio Management to provide insights on client conduct and lessons learned.
  • Formulate tools and systems to better service the portfolio and facilitate constructive working relations with internal stakeholders.
  • Ensure ongoing compliance with Credit Policy and other relevant regulatory requirements.
  • Identify and mitigate project risks, including developing a Project Risk Matrix in conjunction with relevant SBUs.
Requirements
  • CA/B Com postgraduate qualification (or equivalent).
  • MBA would be an added advantage.
  • 8-10 years of relevant experience in a financial institution.
  • Knowledge and understanding of credit and investment risk and associated risks prevalent in financing transactions/projects.
  • Portfolio management experience would be an advantage.
  • Experience working in a high-level collaborative environment.
  • Ability to manage multiple competing priorities while building effective relationships.
  • Extremely good writing and presentation skills, particularly to committees.
  • Extremely organized and persistent, with drive and determination to achieve.
Technical/Functional Competencies
  • Problem Solving
  • Business Acumen
  • Report writing Skills
  • Strong attention to detail and data validity
  • Project Management Skills
  • Client Insights Focus
  • Strong Analytical Skills
  • Planning and Organizing
  • Solution-minded
Behavioural Competencies
  • Good Communication Skills
  • Self-motivated and self-driven skills
  • Coping with Pressures and Setbacks
  • Negotiating and influencing
  • Interpersonal Skills


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