Credit Origination Analyst at Industrial Development Corporation

Qualifications:

• B Com degree or an equivalent qualification

Knowledge and Experience:

• 5 to 8 year’s relevant experience in a financial institution.
• Understanding and knowledge of credit risk management or deal origination with strong emphasis on risk identification, assessment and mitigation.
• Knowledge and Understanding of credit risk and any associated risks prevalent in the financing of transactions/projects.
• Portfolio management experience will be an advantage

Roles and Responsibilities

• Providing the necessary support required by Senior Origination Managers and Credit Evaluation Managers in the Deal Development process.
• Conduct research and credit analysis on deals that are at basic assessment stage.
• Ensuring that potential deals at basic assessment are in line with mandate, Risk appetite framework and Credit policies.
• Performance and provision of indicative risk grading and pricing.
• Conducting credit checks and other necessary checks required at origination stage.
• Assist with the clearing of drawdown conditions.
• Communicate the Organisation’s Risk Appetite to front line and encourage adherence and conduct within the stipulated appetite levels.
• Assist with the review and continuous enhancement of Credit submission templates.
• Challenge existing methodologies and develop innovative ways to enhance the credit risk origination systems and procedures and the Credit submission templates.
• Being the voice of risk at SBU internal meetings and cultivate a holistic risk-aware culture within operation divisions.
• Work alongside Senior Origination Managers to inculcate production of succinct and high-quality reports that assist in efficient decision making
• Collaboration with Evaluation Managers to ensure alignment on risk appetite and terms of credit.
• Assist with the development of differentiated, superior solutions (solution engineering) that meet stakeholder and business requirements

Job Requirements

TECHNICAL/FUNCTIONAL COMPETENCIES

• Problem Solving
• Report writing Skills
• Strong attention to detail and data validity
• Strong Analytical Skills
• Planning and Organizing