Credit Analyst for Unlisted and Unrated Businesses

🗏Job Type	Full Time
💰Salary	R450,000 - R600,000 pa cost to company

About the Position

Background:

This role has come about due to the need to enhance and deepen our client's credit analysis capacity. The business has grown significantly in the last year and there is the continued focus on growth going forward.

Critical deliverable: Producing high quality credit research/analysis of unlisted and unrated businesses together with the preparation of loan submission packs to the Credit/Investment Committee. Thereafter to implement together the loan agreements and related security agreements.

Requirements:

Preference will be given to EE candidates with the right skill set, but open to all groups
Accounting/finance or maths/quants orientated degree - Bachelor of Commerce or Bachelor of Business Science or CA background and maybe with a CFA or equivalent
Must have a minimum of 3 - 5 years industry experience in credit and risk industry, preferably in a corporate finance/finance/legal environment or a development finance institution.
Must be able to work well within a team and be able to operate independently

Must be able to deal with relevant client queries
Must be able to assess companies and their capacity to take on and repay debt
Must have a demonstrable passion for lending/markets and empowering companies and have a passion for numbers and analysis
Responsibilities:

Ensuring that credit policies, criteria, procedures and documentation relating to credit are adhered to and generated
Assessing the credit worthiness of empowerment enterprises specifically with a responsible lending mindset
Prepare all documentation and analysis to present to and facilitate decisions of the Credit/Investment Committee
Determine and ensure that company operations meet conditions for the provisions, and special loan conditions for clients
Prepare and conclude loan agreements
Monitor loan agreements compliance through time
Monitoring credit exposure
Liaising with other staff within the company
Must have the ability to:

Understand the lending or financing environment
To review policies, credit criteria and procedures with respect to assessing and validating credit applications and supporting documents
To perform financial statement and ratio analysis and interpretation on a number of requests for funding at the same time
To perform risk analysis and interpretation
To manage credit risks and credit exceptions
To understand legal requirements in granting & declining credit applications
To use decision support tools in the evaluation of credit e.g. internal and external credit reports
To operate in a research environment where examining and sorting through financial data is critical to one's success
To make use of learnt methodologies to achieve desired outcomes i.e. must be methodical and have high attention to detail
To be self-motivated and to handle criticism
To be prepared to undertake a range of work rather than focussing on a small, clearly defined role
To handle challenging questions in a professional and mature manner
To be attentive to detail
To present findings to teams of people
To produce highly quantitative, detailed reports/ research
To come up with logical, well thought out recommendations/solutions
To proactively research new ideas
To operate independently as well as within a team
Must have experience in:

In quantitative/financial work
Analysing businesses from a sustainability perspective
In constructing scenarios or analysing information to come up with recommendations
Must have knowledge of:

Quantitative techniques/ research methods / methodologies
Knowledge of market drivers
Behavioural competencies:

Interactive:

Passionate
Resilience
Verbal communication
Presentation
Rapport building
Teamwork
Cognitive competencies:

Analytical thinking
Adaptability
Attention to detail
Numerical analytical ability
Integrity
Creativity
Desired Skills

Credit policies
credit criteria
credit lending
risk management
credit assessment
risk assessment
credit committee
credit presentations
loan submission
empowerment
credit analysis
Desired Qualification Accreditation

Degree


Apply Here http://bit.ly/2G5KJHC

Job id : , #72252, 12 views,

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