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JOB NAME

CREDIT ANALYST

POSTED BY: Development Bank of Southern Africa
REF:DBSA 46
Date Published:Monday, March 4, 2019
Date of Expiration:Saturday, August 31, 2019 EXPIRED
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LOCATION OF THIS JOB

South Africa | MIDRAND in South Africa

INDUSTRY

DEVELOPMENT FINANCE INSTITUTIONS

JOB TYPE

Full-Time

MAIN JOB DESCRIPTION

Job Title Credit Analyst
Job Grade 16
Job Type Classification Permanent
Location - Town / City Midrand
Location - Province Gauteng
Location - Country South Africa

JOB DESCRIPTION
The purpose of this position is to assist with the development and enhancement of credit risk management methodologies and tools that will minimise any possible credit risk for the DBSA.

KEY RESPONSIBILITIES
Credit Management
1. Perform deal assessment and structuring with regards to ensuring that new business written is of acceptable risk.
2. Prepare credit applications through analysis and interpretation of financial and economic metrics as it applies to clients.
3. Conduct quality credit assessments and present funding solutions.
4. Ensure ratings and LGDs together with return on investments proposals are acceptable to the Bank.
5. Form part of the deal closing team that negotiations covenants and legal conditions with potential clients and co-lenders.
6. Manage Credit risk on portfolio of clients by regularly reviewing client and industry performance.
7. Conduct industry research when required.
8. Obtain input from Product/Sector Specialist where appropriate to assist with client solutioning and credit application process.
9. Explore new and improved alternative ways of solutioning client credit requirements.
10. Closely monitoring market fluctuations affecting collateral held against credit facilities.

Risk Management
1. Monitor client’s performance on a continuous basis for risk indicators and perform formal reviews at specified intervals to identify any chances in the client’s business or operating environment.
2. Monitor adherence of covenants and conditions on a continuous basis and discuss any deviations and possible concerns with Investment teams and escalate to management if necessary.
3. Pro- actively identify problematic/high risk clients and manage them with a view to provide special input and implement loss preventive measures.
4. Manage, monitor and communicate the risks associated with outstanding collateral to the team.
5. Adhere to Bank’s risk management policies and procedures and ensure that they are fully complied with and that any policy breaches have been suitably addressed and mitigated.
6. Scan the business and operating environment to detect and respond to emerging risks and those associated with change.
7. Provide support to management by representing DBSA where required in internal and external meetings
8. Coordinate the collection and maintenance of high quality division risk data, e.g. logging of risks and those associated with change.

Key Measures
1. Quality of credit submissions
2. Annual reviews completed for all clients under portfolio
3. Covenants Monitoring and reporting
4. NPLs must be within the bank’s threshold.

Key Internal Liaison Relationships
1. GE: Financing Operations
2. Head: Transaction
3. Head: Coverage
4. Head: Credit
5. Credit Review Analyst
6. Project teams of all Investment functions Risk Division
7. Members of various committees

Key External Liaison Relationships
1. External stakeholders
2. Clients
3. Co-funders

REQUIREMENTS FOR THIS JOB