Credit Risk Analyst

**PRIMARY PURPOSE**

The purpose of the Credit Risk Analyst role is to assess, measure, and monitor the credit risk exposure of the Bank to ensure sound lending and investment decisions. The analyst evaluates financial data, creditworthiness, and market conditions to identify potential risks, recommends appropriate credit limits or risk mitigation strategies, and supports the development of policies that safeguard the company's portfolio quality. This role helps maintain regulatory compliance and contributes to sustainable profitability by ensuring that credit decisions align with the organization's risk appetite.

**TECHNICAL COMPETENCY REQUIREMENT**

- Accuracy in preparing, validating, and submitting regulatory returns within deadlines.
- Skilled in preparing daily, monthly, and quarterly risk reports for senior management and governance committees.
- Ability to translate data into actionable insights for decision-making.
- Ability to engage effectively with business units, credit teams, and regulatory stakeholders regarding submitted returns.
- Knowledge of Banks Act and Regulations.
- Knowledge of internal risk frameworks, credit policies, and industry regulation.
- Ability to diagnose root causes of risk issues and recommend practical mitigation strategies.
- Strong communication skills for presenting risk findings and remediation recommendations.
- Proficiency in Excel (advanced functions, pivot tables, financial modelling) and risk reporting tools
- High level of integrity & consistent with good judgement
- Ability to identify, quantify, and assess credit risks across portfolios.
- Strong understanding of BA200, Statistical Form 39, and other NCR (National Credit Regulator) reporting requirements.
- Ability to work under pressure and meeting deadlines.

**REQUIRED MINIMUM**

- Bachelor's degree in finance, Risk Management, Accounting, Economics, or a related field.

**REQUIRED MINIMUM WORK EXPERIENCE**

- 2-4 years' experience in credit risk, regulatory reporting, credit analytics, or a similar financial services environment.
- Experience preparing regulatory submissions such as BA200
- Experience working with risk reporting or financial data systems (e.g., LEX or similar platforms).

**KEY PERFORMANCE AREA (KPA)**

**FINANCIAL MANAGEMENT**

- Support sound credit decision-making by providing accurate risk analysis that protects portfolio quality and mitigates potential financial losses.
- Monitor covenant compliance within LEX customer groups to ensure early detection of financial stress.
- Highlight financial risks and propose remediation strategies that align with the organization's risk appetite.
- Ensure financial data relevant to lending, activations, and exposures is accurate, complete, and compliant with internal policies and regulatory requirements.

**CUSTOMER CENTRICITY**

- Engage with business units, senior credit teams, and regulatory stakeholders regarding submitted returns and risk insights.
- Provide clear communication and explanation of risk reports, regulatory submissions, and data-related findings.
- Respond to stakeholder queries promptly and ensure alignment on risk issues and remediation plans.
- Collaborate across departments to rectify data anomalies, ensure compliance, and support decision-making.

**OPERTIONAL EXCELLENCE**

- Manage status of projects deliverables & reporting deliverables according to set date schedule
- Identify emerging credit risks and perform detailed analysis to assess potential impact.
- Prepare, validate, and distribute daily, monthly, and quarterly risk reports with high accuracy and timeliness. (Collateral, Credit risk, Excess/FC cashflow limit, limit exposure. FC MTM, Lex bank limit, Bidvest Group Lex limit, Sector limit, incident, credit committee, Billex, NCA, Moody's rating reviews, reports etc.)
- Complete BA200 and Statistical Form 39 regulatory submissions in accordance with NCR requirements.
- Manage activation and pay-away processes for Commercial and Residential Mortgages, Moveable Asset Finance, and Personal Loans, ensuring accurate record keeping.
- Oversee LEX customer groups to ensure correct grouping, covenant compliance, and data integrity.
- Maintain strong internal controls and ensure the integrity and consistency of all captured credit and risk data.
- Support internal and external audit requirements and contribute to process improvement initiatives and system enhancements.
- Monitoring of credit limits including regulatory lending limits and correctness of limits loaded on systems.
- Reviewing deal files and sending to finance on time for supplier payment
- Activation of deals on FleetActiv
- Ensuring accuracy in NCR and completeness of data used for all Reports
- Timeous submission of Credit Risk returns and deadlines.

**LEARNING AND GROWTH**

- Take ownership for driving own career development, as well as that of junior staff.
- Achievement of objectives/milestones set out in the development plan.
- Broaden skills to ensure