Fixed Income Credit Analyst at Liberty Group South Africa

Purpose

To provide specialist advise and support in the maintenance and analysis credit risk analysis data in order to provide accurate reports to relevant business stakeholders, through the execution of predefined objectives as per agreed SOPs.

Minimum Experience

2 - 3 years experience in a similar environment

Minimum Qualifications

Bachelors Degree and Professional Qualifications [Level TBA: Pre-2009 was L5] in Finance Economics and Accounting

Additional Minimum Qualifications

Outputs

Process

• Support the auditing process by providing accurate and up to date data in alignment with Org. financial reporting standards and requirements.
• Provide specialist advice and support in area of accountability to ensure that identified solutions and recommendations are appropriate and effective.
• Investigate anomolies and or irregularaties to establish and verify facts that leads to the identification and reduction of risks.
• Determine special conditions that may be linked to credit approval initiatives.
• Evaluate financial data, such as balance sheets and income statements to determine the level of default risk.
• Prepare reports about the degree of risk in lending money to clients.
• Confer with credit associations and references to exchange credit information on clients.
• Evaluate the financial status of clients by producing financial ratios through specified programs.
• Through proven credit risk methodologies, determine the risk of default to the business on credit.
• Accountable for the execution of specialised work including the improvement of quality, standards and outputs within defined work routines and operating procedures.
• Proactively solves problems, determines root-cause and applies solutions in line with guidelines and providing the necessary information to solve problems related to area of specialisation.
• Plan for own task execution and advises on improvements related to area of specialisation.

Customer

• Ensure own understanding and adherence to customer service delivery and Treating the Customer Fairly (TCF) principles to provide specialist support and guidance.

Finance

• Adhere to specified standards, policies and procedures to prevent potential losses/wastage related to the area of specialisation.

Learning and Growth

• Interact proactively with others for the purpose of continuous knowledge sharing; and integration of own new knowledge.
• Contribute positively to own area-specific knowledge improvement associated with area of specialisation.

Governance

• Comply to set governance and compliance procedures and processes related to an area of work and continuously identify, rectify and escalate risks where necessary.

Competencies

Liberty Values

Technical Competencies

• Financial Analysis (Intermediate)
• Research and Information Gathering (Basic)
• Financial Accounting (Basic)
• Financial Administration (Basic)
• Reporting and Interpretation (Basic)
• Risk Knowledge (Intermediate)
• Customer Advice (Technical) (Basic)

Behavioural Competencies

• Professional/Technical learning (Basic)
• Analytical Thinking (Intermediate)
• Interpersonal Effectiveness (Basic)
• Problem Solving and Analysis (Basic)
• Teamwork and Cooperation (Basic)
• Communicating with Impact (Basic)
• Customer Orientation (Basic)