Manager: Credit Risk - Origination

 

Recruiter:

Kamo Placements

Job Ref:

JHB001030/m

Date posted:

Friday, September 9, 2022

Location:

Sandton, South Africa

Salary:

Annually


JOB SUMMARY:
partner with the Business Unit in the allocation of resources and/or become part of the core client assessment team with an aim to bring experience, diversity of skills, disciplines in the credit risk & investment deal structuring, assessment of transactions.

JOB DESCRIPTION:

JOB DESCRIPTION
  • Participate in Due Diligence investigations with the SBUs & Regional Offices, provide advice on risks to be assumed, mitigating factors and assessing viability of projects.
  • Preparing preliminary SWOT analysis and ensuring application of Credit policies and credit appetite framework utilizing approved standard templates.
  • Working with Head CRMD, facilitate constructive and healthy working relations between credit risk and Operations Divisions plus other internal stakeholders;
  • Provide appropriate support to the Head CRMD during Deal Development Forums (DDF) as required, and act as a sounding board to CO Managers throughout the credit process;
  • In conjunction with the SBUs, ensure project risks are appropriately identified and mitigated – including the development of a Project risk matrix;
  • Ensure submission of final reports pack to CEMs is undertaken timeously ahead of submission into the formal Credit sanctioning process;
  • Work with the deal team (including legal) to ensure deal closure, including supporting condition precedent (CP) waivers and/or changes of approved credit terms, as and when necessary;
  • In collaboration with Legal department seek for the adoption of a consistent approach in the drafting of standardized finance documentation as appropriate to ensure consistency of credit terms;
  • Custodianship of the organization’s approved Risk Appetite to front line and encourage adherence, and ensure each application is conducted in adherence of the stipulated appetite levels

JOB REQUIREMENTS
QUALIFICATIONS
  • CA / B Com post graduate qualification (or equivalent degree).
  • MBA would be an added advantage
EXPERIENCE AND SKILLS
  • 10 - 15 years Credit Risk experience in a financial institution,
  • At least 3 years managing teams directly and/or indirectly
  • Proven track record in the structuring of complex transactions/projects.
  • Experience in the application of best practice risk mitigation standards and processes
  • Experience in liaising with senior external stakeholders
  • Portfolio management experience will be an advantage
  • Due Diligence experience would be an advantage
  • Ability to influence stakeholders and team members
  • Experience working in a high-level collaborative environment
  • Ability to manage multiple competing priorities while building effective relationships
  • Extremely organized and persistent, with drive and determination to achieve goals
  • Require excellent computer skills and proficiency with Microsoft Office (Excel, Access, Word, PowerPoint)
  • Exceptional planning and organizational skills: the ability to handle several complex tasks simultaneously and also coordinate key projects with a variety of stakeholders is essential

 

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