Senior Credit Officer: Credit Origination X6

The role is responsible for the origination and structuring of complex credit transactions across various sectors, e.g.
infrastructure, sovereign, sub-sovereign, public sector projects for investment considerations in South Africa, the Rest of
Africa and High Impact. This role is instrumental in ensuring that new transactions align with the DBSA’s mandate, risk
decision-making by appraising new transactions, through conducting due diligence, credit assessment of financial and
non-financial risks, financial modelling and well-structured credit risk mitigation strategies. This role interacts closely with
the Business teams and various Sector and Country Specialists in the origination process.

**Key Responsibilities**:
**Key Performance Areas**:
Deal Origination and Structuring
- Appraise the origination of complex credit transactions from a pipeline of potential projects sourced by the
Business teams, assessing transactions against the Bank’s risk appetite.
- Appraise, structure transactions to optimise risk-adjusted returns whilst achieving development impact.
- In conjunction with the Business teams, engage internally with project teams and externally with borrowers,
government entities, project sponsors, and other key risk-transfer / credit enhancing stakeholders to assess
optimal financing needs and develop tailored solutions.
- Provide credit advisory at inception, deal screening or early review stages for indicative quantification of credit.
- Serve as a key member of the project team during appraisal stage, deal implementation and financial close
stages in pursuit of achieving the Bank’s key corporate and strategic objectives.
- Serve as a key member of the project team to develop innovative risk mitigation structures (e.g. blended finance
instruments, sustainable finance instruments, credit enhanced structures).
- Conduct market and industry research as needed to inform risk assessment and credit decision-making.
- Collaborate with multidisciplinary sector experts and other teams to support client solutioning and the credit

Credit Assessment, Financial Analysis and Risk Mitigation
- Undertake in-depth credit and financial analysis and due diligence on prospective transactions.
- Identify, mitigate and manage key quantitative and qualitative risks facing a prospective transaction.
adequately encapsulated the risk-adjusted returns per policies.
- Contribute to due diligence activities, where required, including site visits, stakeholder interviews and due
diligence data collection and synthesis.
- Collaborate with business, legal, technical and ESG teams to ensure comprehensive transaction evaluation.
- Prepare investment memos for new appraisals that succinctly communicates the overall credit opinion and
recommended terms and conditions of the prospective transactions.
- Undertake in-depth financial and cash-flow analysis of portfolio companies, evaluating performance against initial
projections and market benchmarks.
- Review portfolio performance reports, incorporating peer comparisons, sectors developments, and
macroeconomic conditions affecting the Bank.
- Assess amendments to credit terms and provides recommendations for restructuring, covenant waivers, or
rescheduling proposals as required.
- Conduct scenario analysis and stress testing on key exposures, feeding insights into credit risk appetite and
capital allocation decisions.
- Support efforts to enhance risk-adjusted return through innovative solutioning of the prospective deal flow.

Financial Modelling and Analysis
- Build and/or review and challenge model assumptions in financial models for prospective transactions.
- Conduct cash flow analysis, stress testing, and scenario analysis to test financial viability and draw conclusions
/ make recommendations to mitigate financial risks identified.
- Assess financial compliance of key financial terms and/or recommend and implement credit risk mitigants (e.g.
conditions, covenants, collateral, guarantees), as required.
- Perform peer benchmarking and sectoral credit comparisons in order to provide valuable insights for the review
of the financial modelling assessment.

Portfolio Integration
- Ensure seamless transition of approved transactions into portfolio management.
- Monitor early-stage performance, facility and/or covenant compliance during onboarding of new clients.
- Provide feedback to portfolio, origination and risk teams on original learnings and risk signals.
- Maintain credit-related compliance with internal policies, regulatory standards, and investment mandates across
all geographies.
- Maintain up-to-date credit ratings and internal loan classifications of new transactions, where required, prior to
transition into portfolio management.

Strategic Engagement and Governance
- Liaise with teams to ensure seamless handover and continuous oversight of transactions post-disbursement.
- Support governance reporting by contributing to reports for Board committees, EXCO, and relevant com