Credit Analyst IFS at Rand Merchant Bank

Job Description

• To identify and report all breaches per credit limits and take specific action to address the breaches.
• Manage the planning, execution and governance for new and annual credit reviews/ratings and deal transactions.
• Review and quality control submissions by Credit Analysts or more junior team members to the relevant investment committees.
• Assess new transactions where Credit risk is   undertaken.
• Engage with deal teams on complex deal transactions around structure, covenants, and pricing.
• Interact with relevant Legal counterparts to ensure that Legal agreements are concluded for all transactions where credit risk is taken.
• Review of exposure limits, ratings, and systems for Credit exposures.
• Ensure team compliance with the bank’s credit risk framework, loss given default (LGD) models and prudential limit guidelines.
• Work closely with the Head of Credit Research in the management and reporting of breaches in terms of concentrations and risk limits.
• Attend, interact, and provide input at relevant forums and committees related to Credit Risk.
• Participate as a voting member on the assigned credit committee.
• Recommend practices to optimise credit processes and “ways of working”.
• Provide key stakeholders with pro-active research insights into trends, market risk appetite, issues, threats, and opportunities in all credit portfolios.
• Share insights across the Ashburton business and risk cluster in respect of counterparties where Credit exposure is taken.
• Partner with business clusters to maintain credit losses, profitability and other credit risk exposures.
• Work in collaboration with Portfolio Managers, to ensure alignment in thinking about credit exposures.
• Provide insight and optimise problem management processes with risk prone investments on the surveillance and watchlist.
• Facilitate the understanding for the suitability of instruments for specific portfolios in accordance with their mandates.
• Propose strategies for managing identified risks in credit.
• Ensure the analysis, identification and mitigation of counterparty exposures and mitigations through detailed knowledge of environmental factors.
• Maintain a detailed knowledge of critical key macro environmental impacts and inter-relationships e.g., jurisdictional compliance, sector developments, regulations, financial markets, and country risk.
• Understand and apply/translate the critical micro-environmental impacts and relationships e.g., company performance trends, financial data, debt profile, gearing, projected cash flows, and operations.
• Manage credit risk metrics that are identified via risk dashboards and reporting.
• Provide technical support in the implementation of a credit limit monitoring system with Risk and Operations.

Deadline:22nd April,2026