Senior Credit Analyst

SUMMARY:
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POSITION INFO:

Job Title

Senior Credit Analyst

Job Purpose

To manage and maintain risk adjusted pricing and risk ratings in terms of
Basel requirements as well as enable value-based management and
continued implementation of the Internal Ratings Based Approach within
investment banking.

Job Responsibilities

• Interpret Financial results based on the annual financial statements
or models provided by analysing and extracting the relevant
information for the internal rating process.

• Interact with the front office with regards to the transaction structure
to determine the relevant rating models to be applied and provide
input with regards to the potential risk mitigates.

• Assist the credit managers with the final ratings by preparing the
Credit Risk Application (CRA) with the relevant supporting
documents.

• Advise credit managers and the front office by providing an
explanation of returns and ratings results.

• Ensure consistency of information by providing a summary of inputs
used for the models to the front office.

• Ensure that client needs are met by facilitating communication
between the model developers and the front office.

• Ensure that deadlines are met through the efficient and appropriate
allocation of work, enabling every analyst to get a chance to work on
different portfolios.

• Ensure that the model used is appropriate by interacting with credit
managers and front office regarding transactions.

• Liaise with other departments within Risk with regards to inputs that
are required for credit ratings by providing updates and giving
feedback on models.

• Provide ad hoc training and coaching to junior staff within credit and
new staff members within Investment Banking (IB) through provision
of manuals, explanations, and demonstrations.

• Support the achievement of the business strategy, objectives, and
values by reviewing the Business Unit Plan and ensuring
delivered systems, process, services, and solutions are aligned.

Essential Qualifications - NQF Level

• Advanced Diplomas/National 1st Degrees

Preferred Qualification

• Honours Degree in Finance.

Minimum Experience Level

• 2-3 years’ experience within a risk environment