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CREDIT ANALYST   DETAILS

JOB NAME

CREDIT ANALYST


POSTED BY: Development Bank of Southern Africa
REF:DBSA 79
Date Published:Wednesday, October 16, 2019
Date of Expiration:Monday, April 13, 2020 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
EXPERTISE & TECHNICAL COMPETENCIES
Minimum Requirements
1. A minimum of a either B.Com ( Hons), BSc ( Hons), ( Financing , Accounting , Economics or Engineering), CA ( SA) , CFA ( Certified Financial Analyst) as well as an MBA
2. At least 4 years working experience in corporate or investment banking of which 2 must be in a wholesale credit environment.
3. Practical knowledge of Credit Risk Management and a broad appreciation of the range of Compliance and Enterprise Risk Management and Reporting practises.
4. Proficient with Microsoft Office ( MS- Word, MS Excel ( at an advanced level of proficiency), MS PowerPoint, MS Outlook)
5. Strong verbal and written communication skills including effective representation skills with the ability to express concepts and relate them back to the DBSA’s infrastructure mandate.
6. Excellent analytical and problem solving skills.
7. Exceptional interpersonal skills, abilities in relationship management, teamwork communication with management and stakeholders and thrive in a cross- functional environment.
8. In-depth understanding of business procedures and processes.
9. Co-ordination capacity with the ability to coordinate assignments.
10. High level of competency required in MS Word, MS Excel, PowerPoint.
11. The ability to:
1) Obtain data, perform in –depth investigations, and provide expert analysis;
2) The ability to deliver high quality reports;
3) The ability to conduct debt sustainability analysis;
4) The ability to work under pressure and meet deadlines.

Desirable Requirements
Knowledge of financial structuring and doing business in Africa will be a distinct advantage

Technical
Written Communication
1) Understands that different writing styles are required for different documents or audiences.
2) Write effective correspondence, prepares questions and reports, statements of circumstance and briefing notes.
3) Has a solid mastery of writing principles such as grammar, sentence construction etc.

Presentation Skills
1) Can reinforce key presentation points with examples.
2) Is able to translate technical terminology into language understandable to the audience.
3) Has insight into the audience’s behavior and motivation and responds appropriately and professionally, adapting communication style as appropriate.

Reporting
1) Prepares both standard and non-standard reports to time and quality standards.
2) Collate and analyses readily available data for inclusion in a report.

Planning and Organising
1) Plans and manages multiple priorities and deadlines.
2) Uses effectively advance time management processes to deal with high workload and tight deadlines.
3) Organises, prioritises and schedules tasks so they can be performed within budget and with the efficient use of time and resources.
4) Achieves goals in a timely manner, despite obstacles encountered, by organising, reprioritising and re-planning

Data Collection and Analysis
1) Skilled in the use of advanced/complex analytical techniques.
2) Is able to use judgement to decide upon the most appropriate analytical techniques according to the situation.
3) Recognises underlying principles, patterns, or themes in an array of related information, and determine whether additional information would be useful or necessary.
4) Through an in-depth understanding of the business environment, reviews outputs of analysis to identify anomalies and draws conclusions, relating these to operational circumstances.
5) Can model a range of scenarios covering all potential business circumstances and highlight potential risks/opportunities.

Negotiation
1) Understands and can apply basic negotiating skills and techniques, e.g. obtaining a full understanding of the other party's agenda and needs before disclosing own perspectives.
2) Possesses an understanding of various unspoken communications from other parties and can decipher hidden agendas.
3) Is able to successfully conclude negotiations which require the development of an emotional as well as factual argument.
4) Is able to develop mutually-beneficial potential solutions.

Financial Analysis
1) Interprets, analyzes and/or evaluates compliance with applicable legislation, sound regulatory practices and procedures, generally accepted accounting principles, and other such rules and regulations.
2) Analyzes or interprets financial records and develops program procedures, financial models and databases.
3) Demonstrates a thorough knowledge and understanding of applicable regulations, rules, entity/company practices, concepts, and industry issues.
4) Demonstrates a thorough knowledge or experience working with legal and regulatory issues in their subject area.
5) Develops and maintains effective working relationships with regulated industries, government officials, administrators, and civic leaders.

REQUIRED PERSONAL ATTRIBUTES
Achievement Orientation
1. Delivers work on time and quality and follows through on agreed commitments.
2. Views new work experiences as an opportunity for growth.
3. Reacts immediately to overcome setbacks or/and obstacles in order to meet goals.
4. Recognises and acts upon current opportunities.

Customer Service Orientation
1. Makes self fully available, especially when the customer is going through a critical period.
2. Requests on-going feedback from customers and takes action in response to it; manages to retain and capitalize on existing customers.
3. Takes the “extra step” to resolve customer issues appropriately, even in the case where they do not fall under own area of responsibility.
4. Is aware of the level of service offered by the competition and provides more for customers than they expect.

Attention to Detail
1. Double-checks the accuracy of information or work.
2. Ensures that the work produced doesn’t contain any errors.

Leading and Empowering Others
1. Creates the conditions that enable the team to perform at its best (e.g., setting clear direction, providing appropriate structure, getting the right people, obtain needed resources).
2. Monitors performance against clear standards, and addresses performance issues promptly and takes action to get performance back to desired levels.
3. Proactively asks for feedback on own performance from team members, aiming to become more effective.
4. Ensures tasks are delegated so that team members are empowered to deliver results and develop their capabilities.

Self-awareness and Self Control
1. Feels strong emotions in the course of a conversation or other task, such as anger, extreme frustration, or high stress;
2. Holds the emotions back, and continues to act calmly.
3. Ignores angering actions and continues a conversation or task.
4. May leave temporarily to withhold emotions, then return immediately to continue.

Strategic and Innovative Thinking
1. Recognises opportunities or potential problems, before they become obvious, by seeing the connections in a range of sources of information, including insights from outside DBSA.
2. Restates complex knowledge in a way that makes it easier for others to understand.
3. Experiments with new approaches, tests scenarios, questions assumptions and challenges conventional thinking.
4. Creates new concepts that are not obvious to others, leveraging internal and external sources of information, to build incremental revenue and growth opportunities.

Teamwork & Cooperation
1. Values and utilises the expertise of colleagues, asking for ideas and input and collaborates to form decisions and plans.
2. Willingly learns from others.
3. Creates opportunities for knowledge and expertise sharing between all members of the team.


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