Closing Date 2024/07/01
Reference Number DBS240614-2
Job Grade 17
Job Type Classification Permanent
Location - Town / City Midrand
Location - Province Gauteng
Location - Country South Africa
JOB DESCRIPTION
1. The purpose of this position is to ensure that the credit quality of the portfolio is managed and maintained within the Bank’s risk appetite.
2. The Credit Review Analyst will manage a portfolio of high value and/or high-risk clients, conducting high quality credit evaluation and financial assessment of the borrower’s credit worthiness and disseminating these findings through high quality reports outlining key credit risks, credit mitigation and recommendations.
3. Additionally, the Credit Review Analyst will review the quality and detail of key credit assessment deliverables of the Credit Analysts, ensuring that these are executed within in a diligent and timeous manner.
KEY RESPONSIBILITIES
Credit Risk & Advisory Services, Monitoring & Reporting
1. Preparing and reviewing credit applications and appraisals for new and existing customers on large/complex exposures, including but not limited to:
1) deal assessment and structuring, including financial analysis/modelling and stress testing with regards to ensuring that new and existing business written is of an acceptable risk.
2) adherence to credit limits; and adopting the appropriate credit scoring methodology.
3) ensure credit ratings and loss given default (LGDs) together with return on investments proposals are acceptable to the Bank.
4) issuing recommendations as to the creditworthiness of a given project or counterpart.
5) meeting with internal and external clients in the context of assessing credit risk.
2. Perform annual and on-going credit and financial review of clients in the allocated Portfolio.
3. Form part of the deal closing team to:
1) negotiate covenants, collateral and legal conditions with clients and co-lenders, in accordance with the Bank’s approved key terms; and
2) disburse approvals in accordance with the Bank’s internal procedures and legal agreement conditions.
4. Reviewing and signing off covenants and annual reviews, keeping up to date on other credit risks including active credit migration of clients on/off the Watchlist and NPLs book.
5. Review the Credit Analysts client risk reports to:
1) Check the quality and relevance of information captured within the report
2) Verify accuracy of data and/or establish errors or weakness in the credit risk analysis by evaluating
the model assumptions, analysis and interpretation, and appropriateness of recommendations made.
3) Guide Credit Analysts to produce acceptable credit reports and quality assure submissions.
4) Ensure adherence to credit / loan policy, procedures, and regulations as it relates to credit
6. Monitoring and produce reports detailing exposures to risks for a portfolio of key clients.
7. Adhere to Bank’s lending protocols, credit risk management policies and procedures and ensure that they are fully complied with and that any policy breaches have been suitably addressed, mitigated and/or escalated.
8. Scan the business and operating environment to detect and respond to emerging risks and those associated with change and advise divisional management and staff on any credit and other risk related issues within the portfolio, as they arise.
9. Provide support to management by representing DBSA management where required.
10. Exercise mandated responsibility in areas where the incumbent has delegated authority for project approval, jointly with other relevant staff.
Review Oversight
1. Optimize skills usage within the area of responsibility, minimizing "key-man" risk.
2. Oversee the work output of respective Credit Analysts in relation to quality standards, agreed benchmarks, objectives and required timeframes.
3. Develop the skills and abilities of team members, with the result that they perform at their highest potential and optimize their current and future job performance.
4. Contribute to building synergies and cooperation across functions in the DBSA.
5. Promote DBSA values and a culture of High Performance within the unit.
Key Measures
1. High quality of credit evaluation and financial risk assessment and reporting, not compromising on accuracy and speed to meet deadlines.
2. Annual reviews completed (% complete by Value and by Number) for all clients in the portfolio, within the agreed timeframes.
3. Effective collateral, covenant and undertakings monitoring, and reporting completed within agreed timeframes.
4. Disbursements and NPLs achieved within agreed targets.
5. Fully comply with the Bank’s key Governance & Compliance measurement requirements.
6. Ongoing monitoring of high-risk clients and 100% of Watchlisted clients monitored and reported to and as required by the Portfolio Committee; and any other Committee so directed.
Key Internal Liaison Relationships
1. Head: Credit
2. Head: Portfolio Management
3. GE: Financing Operations
4. Heads of Business Units
5. Project teams of all Investment functions
6. Risk and Audit Units
7. Members of various committees
8. Credit Analysts
Key External Liaison Relationships
1. External stakeholders (e.g., National Treasury)
2. Clients
3. Co-funders
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EXPERTISE & TECHNICAL COMPETENCIES
Minimum Requirements
1. A minimum Bachelor’s Degree in Financing, Accounting, Economics or Engineering.
2. A minimum of 5 years’ work experience (post Articles) in wholesale credit risk management, corporate or investment banking or similar, with strong analytical experience (.
3. Practical knowledge of Credit Risk Management and a broad appreciation of the range of Compliance and Enterprise Risk Management and Reporting practices.
4. Solid experience in Microsoft Office (MS-Word, MS Excel (at an advanced level of proficiency), MS PowerPoint, MS Outlook), Quantitative and Qualitative Credit Rating Models.
5. Above average report writing skills.
6. Experience in the implementation of policy compliance and best practice.
7. Excellent Analytical and problem-solving skills complimented by in-depth understanding of business procedures.
8. Strong verbal and written communication skills as well as effective presentation skills and with the ability to express complex concepts in business terms.
9. Strong abilities in relationship management, teamwork, and interpersonal skills.
10. Proven ability to effectively manage competing deadlines for projects in a high-pressure work environment.
11. The ability to:
1) Communicate and persuade at all management levels and thrive in a cross-functional environment.
2) Determine whether processes comply with credit laws, regulations and/or standards.
3) Apply logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
4) Identify complex problems and to review related information to develop and evaluate options and implement solutions.
5) Integrate knowledge building through knowledge sharing and knowledge application throughout the incumbent’s professional duties.
6) Keep record of compiling information related to reports and publications.
7) Build strong partnerships with external and internal stakeholders.
Desirable Requirements
1. Knowledge of financial structuring and doing business in Africa will be a distinct advantage
2. Honours and/or Masters degree in Finance or Accounting, CA(SA), Professional Body Certifications Qualifications (e.g., GARP CFA or FRM, CFI FMVA or CBSA) or an MBA is a distinct advantage.
3. Previous working experience in a senior or supervisory capacity would be an advantage.
Technical Competencies
Written Communication
1. Is relied on by others to help them write complex technical and non-technical documents and briefs.
2. Is able to determine which aspects of this knowledge area needs to be transferred to others in order to achieve organisational goals.
3. Coaches’ others and transfers communication skills and knowledge to others.
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. Designs, reviews and improves reporting processes and provides guidance.
2. Leads production of complex credit and financial reports, takes an editorial role, determines content and level of detail, and ensures consistent messaging and branding.
Planning and Organising
1. Is relied on to help others plan and organise their workload.
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 replanning.
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 various legal and regulatory issues in deal structuring in their subject area.
5. Develops and maintains effective working relationships with regulated industries, government officials, administrators, and civic leaders.
6. Serves as subject matter expert and leads work teams for more complex issues.
REQUIRED PERSONAL ATTRIBUTES
Behavioural Competencies
Achievement Orientation
1. Undertakes challenging assignments and strives to complete them.
2. Sets priorities and chooses goals on the basis of calculated costs, anticipated benefits and improvement of performance.
3. Aims at exceptional performance; setting out to achieve a unique standard.
4. Constantly analyses outcomes to ensure the achievement of business goals.
5. Identifies short-term opportunities or potential problems aiming to achieve better outcomes.
Customer Service Orientation
1. Tries to understand the underlying needs of customers and matches these needs to available or customized products and services.
2. Adapts processes and procedures to meet on-going customer needs.
3. Utilises the feedback received by customers, in order to develop new and/or improved existing services/ products that relate to their on-going needs.
4. Thinks of new ways to align DBSA’s offerings with future customer needs.
Integrity
1. Is willing to end a business relationship because it was associated with actual or perceived unethical business practice.
2. Is capable of challenging senior management (in an appropriate and respectable manner) in order to act on espoused values.
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. Withholds effects of strong emotions in difficult situations.
2. Keeps functioning or responds constructively despite stress.
3. May apply special techniques or plan ahead of time to manage emotions or stress.
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