RMB - Rand Merchant Bank is a division of FirstRand Bank Limited, a fully integrated financial services group in South Africa, distinguished by our traditional values and innovative ideas. We have adapted investment banking solutions to suit your personal financial needs and this, together with an entrepreneurial approach, attracts like-minded, discerning clients.
To identify and report all breaches per credit limits and take specific action to address the breaches.
Are you someone who can:
Prepare high quality and well written credit applications including the assessment of credit risks and applicable of credit ratings which demonstrate:
An understanding of the credit risks associated with underlying transactions.
The application of credit frameworks and methodologies in marking of credit limits.
A sound understanding of the operating and business environment relating to non-bank financial institutions (for example insurance companies, asset managers, funds, exchanges, clearing houses, broker/ dealers etc.).
An up to date understanding of the critical key macro environmental factors, impacts, and inter-relationships (e.g. industry and sector developments, regulations, financial markets, country risks etc) which are relevant to the counterparty and deal risk profile .
Perform detailed financial analysis, forecasting and ratio analysis and interpret and succinctly and clearly explain the outputs of this analysis.
Demonstrate a good understanding of banking and global markets related products and the associated inherent credit risks.
Monitor and action compliance to approved facilities i.e. covenants, excess etc.
Update relevant credit systems and assist with monitoring requirements and exception reporting.
Communicate effectively both verbally and in writing.
Establish and service relationships with business partners to improve the effective and efficient execution of credit objectives in line with business requirements.
Interact with and confidently present credit applications and analysis to credit executives, credit committees and other credit forums.
Work well individually as well as within a team.
Assist with credit application reviews and inputs.
Deal with conflicting views in a constructive manner.
You will be an ideal candidate if you:
Have a B Com (Hons), CA(SA), CFA or similar qualification.
Have previous Non-Bank Financial Institutions credit or similar credit experience.
Solid experience in banking and financial markets.
Are able to work under pressure with tight deadlines.
Deal with complexity but can extract the key credit risk issues and concepts and explain these in a simple and clear manner.
Are proactive and take ownership and accountability of assigned responsibilities.
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