Credit Analyst

Reference No. MTBSCA

**Job Description:
**Responsibilities:
Credit Analysis:

- Critically analyse a client’s business upfront and on an ongoing basis ensuring the Credit Risk is understood, monitored and managed.
- Rate clients through rating model and analyse & comment on financial statements.
- Analyse, interpret & interrogate financial models and check assumptions to ensure appropriate models are presented to the Committee for approval.
- Client visits upon onboarding and full independent credit analysis for each new transaction.
- Evaluate and monitor collateral and other credit risk mitigations.
- Presentation to Riparian Credit Committee and other Fund Management Limited Committees where appropriate.
- Manage all credit related matters on a portfolio of clients from pre-approval to disbursement to post trade disbursement monitoring.
- Manage portfolio of clients within an acceptable NPL ratio.
- Follow up on roll report, approve smart arrears.
- Country, industry, covenants monitoring, breaches, monitoring credit exposures, own credit exposure and maintain client relationships.
- Systematic review of financials at borrower level. Quarterly stress testing of client profile taking into account a) country analysis b) collateral changes c) industry analysis d) monthly stress testing of LTV potential shortfall where relevant. Monthly/quarterly frequency with review in appropriate committee (at least for part of D). Periodic review of Expected Credit Loss assumptions.
- Timely identification of high-risk exposures for transfer to the Proactive Risk Management list. Develop stress testing framework.

Country Risk Analysis:

- Analyse trends and developments where the borrowers are and suggest mitigation strategies where necessary.
- Active oversight of country developments (economic growth, political developments, upcoming elections).
- Leverage existing S&P ratings, periodic one-pager on country development with clients’ exposures, level of comfort.
- Monitor Country Risk Exposure and report aggregate credit exposure at country level.
- Stress testing of credit exposure at country level across all borrowers within a country.
- Report to appropriate committees on a regular basis with country overview.

Credit Approvals:

- Responsible for credit paper and taking deals through the credit process from origination to post close monitoring.
- Pre-trade approvals - provide guidance on credit appetite and deal structuring before presentation to Credit Committee
- Approve/escalate margin calls as appropriate.
- Ensure deals are legally structured in accordance with credit conditions and approvals.
- Approval of non-standard settlements and legal terms, escalation (e.g. longer cure period, longer close out, longer termination period). Determine appropriate LMT terms (limits monitoring, margin payments, termination). Legal & Credit to work together to reach satisfactory outcomes in legal agreements with terms impacting Credit.
- Approval of collateral managers/monitors where required and maintain list of approved collateral managers.
- Ensure relevant representation of industry experts for particular transactions as part of the Credit process (e.g. expertise in collateral management for particular commodities).
- Ensure conditions are fully closed at or prior to deal closing.
- Perform other ad-hoc tasks e.g. take minutes at Credit Committees, handle queries, report on the portfolio, etc.

**Requirements**:

- Key experience: Corporate / SME Credit Analyst, Trade Finance/Structured Trade Finance/Working Capital Finance/Supply Chain Finance Experience, Africa Experience
- Degree or equivalent in Finance, Accounting, or Economics.
- 3 years of Credit Analysis experience, 2 years in Wholesale/Investment/Business Banking.
- Specialized experience in Trade Finance/Structured Trade Finance/Working Capital Finance/Supply Chain Finance.
- 2 years of solid understanding of finance and risk matters, with in-depth portfolio and risk management experience.
- Proficient use of Microsoft Office, particularly Excel and Word at an advanced level.
- 2 years’ experience doing business in Africa.

**Benefits and Contractual information**:

- Full time position.
- Ability and willingness to travel at least one week a month.
- Based in Johannesburg, South Africa.

**Matthew Taylor**

Recruitment Consultant

**CA Finance