Senior Credit Manager - Origination

 

Recruiter:

Kamo Placements

Job Ref:

JHB001025/m

Date posted:

Friday, September 9, 2022

Location:

Sandton, South Africa

Salary:

Annually


JOB SUMMARY:
To deliver value-added skills and advisory services to the early-stage due-diligence process by appropriately co-identifying the risks being taken and proposing mitigating factors in line with the organization’s risk appetite frameworks and applicable standards.

JOB DESCRIPTION:

JOB DESCRIPTION
  • To co-ordinate and share information with Credit Evaluation Manager (“CEM”) in the processing of the new transaction and ensure an option is provided for CEM to attend client meetings if and as required.
  • 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.
  • Participation in Basic Assessment processes and presenting the Credit Risk Opinion and obtain CEM participation and indication of final credit structure requirements.
  • Assist in risk identification and mitigation, ensuring compliance to credit policy and spreading of financials (if not undertaken by business) and provide SBU with “indicative risk grade and pricing”.
  • Work with the deal team and including Legal department to ensure deal closure post Committee approval and support on applications requiring waivers and/or changes of approved credit & investment terms, as and when necessary.
  • Ensure adherence to the principle of “need to know” by ensuring all information shared is aligned and limited to the credit origination process.
JOB REQUIREMENTS
QUALIFICATIONS
  • CA / B Com post graduate qualification. (or equivalent degree)
  • MBA would be an added advantage
EXPERIENCE AND SKILLS
  • 8 to 10 year’s relevant experience in a financial institution, 5 years of which must be specifically in the Credit Risk space.
  • Knowledge and Understanding of credit risk and any associated risks prevalent in the financing of transactions/projects.
  • Ability to influence stakeholders and team members
  • Must possess the ability to make deductions and meaning from rather complex and abstract situations and make sound decisions from these factors
  • 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
  • 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
  • Must have the ability to work under pressure and cope with stress in a coordinated and rational decisions even under stressful/ high pressure situations

 

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