Sme Credit Analyst

**Who are we?**

**Sanlam Investment Group**
The Sanlam Investment Group is uniquely equipped and positioned to deliver on its purpose of empowering generations to be financially confident, secure and prosperous. Through our vast in-house expertise and strategic partner networks, we can access all asset classes across the globe, private and public, actively and passively managed, to develop investment solutions that are in our clients’ best interests and have a positive impact on society. Backed by the Sanlam Group’s balance sheet, the Sanlam Investment Group has a true competitive advantage in its ability to invest alongside clients, particularly in private markets where impact investing drives the agenda.

The Sanlam Investment Group is one of the largest, most diversified financial services and investment firms in Southern Africa with assets under management and administration of more than R2 trillion. It is a B-BBEE level 1 contributor and one of the largest black-empowered asset managers on the African continent.

**Sanlam Alternative Investments (SAI)**
The purpose Sanlam Alternative Investments (SAI) business is to help build the African continent and make a real sustainable difference in the emerging economies in which we operate in, aligning to the Sanlam Group’s mission of financial inclusion. The SAI business has a broad range of capabilities that include Private Equity, Specialised Finance, Property, Infrastructure and Partnerships. Sanlam is the biggest non-banking financial institution on the continent, operating in Africa for over 100 years.

**What will you do?**
- The SME Credit Analyst is responsible for assessing and managing the credit risk of small and medium-sized enterprise (SME) clients. The role involves analyzing financial information, evaluating business risks, assigning credit ratings and making informed credit recommendations to support sound lending decisions and portfolio growth.

**Responsibilities Include**
- Responsible for researching, analysing and provision of relevant information and recommendations regarding investment attractiveness.
- Analyses an SME's position within its industry, sales and profit estimates, projected rates of return on capital, total equity, asset utilisation and leverage.
- Projects short
- and long-term cash flows and ability to service and repay debt.
- Assists with annual reviews, covenant monitoring, report backs and explain performance variances.
- Makes recommendations for the initial loan facility, renewals and/or amendments.
- Responsible for post investment monitoring and liaison with support staff including fund accountants, legal, operations etc.

**Qualification and Experience**
- BCom, CFA, CA with 2 to 3 years related experience.
- Knowledge and Skills
- Company research and analysis/ fixed interest/ alternative investments
- Rank companies within industry
- Recommendations and presentation of results
- Financial Modelling

**Personal Attributes**
- Manages complexity - Contributing through others
- Decision quality - Contributing through others
- Financial acumen - Contributing through others
- Manages conflict - Contributing through others

**Build a successful career with us**
- We’re all about building strong, lasting relationships with our employees. We know that you have hopes for your future - your career, your personal development and of achieving great things. We pride ourselves in helping our employees to realise their worth. Through its five business clusters - Sanlam Fintech, Sanlam Life and Savings, Sanlam Investment Group, Sanlam Allianz, Santam, as well as MiWay and the Group Office - the group provides many opportunities for growth and development.

**Core Competencies**
- Cultivates innovation - Contributing through others
- Customer focus - Contributing through others
- Drives results - Contributing through others
- Collaborates - Contributing through others
- Being resilient - Contributing through others

**Turnaround time**

**Our commitment to transformation**

The Sanlam Group is committed to achieving transformation and embraces diversity. This commitment is what drives us to achieve a diverse, inclusive and equitable workplace as we believe that these are key components to ensure a thriving and sustainable business in South Africa. The Group's Employment Equity plan and targets will be considered as part of the selection process.