Investment Credit Analyst (7m FTC) at Robert Walters

Key qualifications and experience for the Investment Credit Analyst

• Degree in Finance, Accounting, or Economics
• CA(SA) / audit experience (highly preferred)
• At least 2 yearsrelevant experience
• Credit Analysis experience
• Wholesale/Investment/Business Banking experience
• Solid understanding of finance and risk related matters affecting the company
• In-depth experience in portfolio and risk management
• Corporate / SME Credit Analyst experience
• Trade Finance experience (advantageous)
• Africa experience (advantageous)

MUST BE IMMEDIATELY AVAILABLE TO START

Essential knowledge

• Write technical and non-technical communication, including developing appropriate reports for stakeholders relating to clients & deals.
• Analyse and improve policies and procedures in accordance with best practice.
• Analyse, interpret and understand financial statements and complex financial models with an understanding of accounting practices, legal, tax, industry and regulatory requirements.
• Collect and analyse appropriate data to recognise key themes and trends and take appropriate action on existing or new deals in the portfolio.
• Prepare and be primarily responsible for credit applications with input from originators.

Key duties for the Investment Credit Analyst

• Investment Analysis & Country Risk Analysis
• Credit Approvals
• Conduct critical upfront and ongoing analysis of client businesses to ensure all investment risks are thoroughly understood, monitored, and managed throughout the loan lifecycle.
• Utilise rating models to assess clients, analyse financial statements, interpret complex financial models, and validate assumptions before presenting recommendations to the Investment Committee.
• Undertake client visits during onboarding processes and perform independent credit analysesfor each new transaction to ensure robust due diligence.
• Evaluate collateral structures and other credit risk mitigations while continuously monitoring their effectiveness over time.
• Presentdetailed findings and recommendations to the Investment Committee, supporting informed decision-making on new deals and existing exposures.
• Manage all credit-related matters for a portfolio of clients from pre-approval through disbursement to post-trade monitoring, maintaining acceptable non-performing loan ratios.
• Perform annual reviews and quarterly high-level risk assessments on client portfolios, challenging credit applications as needed and conducting stress tests on collateral positions.
• Monitor country-specific developments—including economic trends, political changes, and regulatory shifts—and report aggregate credit exposures at both client and country levels.
• Prepare comprehensive credit papers for deal origination through post-close monitoring, ensuring legal structuring aligns with approved conditions and industry best practices.
• Support ad-hoc tasks such as minute-taking at committee meetings, responding to portfolio queries, and preparing stakeholder reports.
• Ensure deals are legally structured in accordance with credit conditions and approvals.
• Stress testing
• May require minimum travel into Africa if needed

Key skills

• MS office, Excel (advanced level)
• Strong verbal and written communication (Networking & negotiation)
• Planning, organising, time management & highly analytical self-starter