Credit Analyst- Small Business Finance at Industrial Development Corporation

Qualification and Experience

Qualifications 

• B Com degree or equivalent
• Post graduate qualification will be an added advantage

Knowledge and Experience

• 5 to 8 years of relevant experience in a financial institution, 2 years of which must be specifically in the SME space
• Knowledge and understanding of credit risk and any associated risks prevalent in the financing of transactions/projects
• Excellent written and verbal communication skills
• Advanced proficiency in financial statement analysis
• Ability to work independently and collaboratively in a team environment
• Portfolio management or Origination experience will be an advantage

Roles and Responsibilities

• Provision of independent credit & investment assessments on credit submissions to credit committees; exercise credit judgment; and make sound credit recommendations within stipulated Service Level Agreement.
• Participation in Due Diligence investigations with the SBUs & Regional offices, provide advice on risks to be assumed, mitigating factors and assessing the viability of projects.
• Performing risk grading and pricing of Business Partners through the application of in-house credit risk tools and models and give constructive view on the output.
• Ensure adherence to Credit policies and procedures as well as team alignment to the Credit Risk Appetite strategy, taking into account group counterparty, and concentration limits guidelines.
• Assist in formulating tools and systems to better service the SME portfolio.
• Facilitating constructive working relations and healthy working morale with internal stakeholders.
• Prepare and position submissions at the relevant sanctioning committees.
• Perform pro-active on-going credit monitoring and risk management on a client and portfolio level and attend Investment monitoring committees.
• Ensure on-going compliance with regulatory requirements.
• Stay informed on industry trends, market conditions, and regulatory changes that may influence creditworthiness and investment decisions.