Senior Credit Analyst at MECS (Pty) Ltd

Responsibilities:

• Obtain financial statements, credit agency reports and other pertinent information relating to the customer for comprehensive credit reviews.
• Sanction and assess business plans of new Retail clients.

Performing risk assessment of new and existing customers achieved through assessment and analysis of credit life cycle, i.e.

• quantitative and qualitative evaluation of respective customers, about historic financial performance and forecasted cashflows, competitive positioning, historic financial performance and forecasted cashflows,
• Knowledge of corporate credit ratings methodology.
• inherent micro/macro risks (Business Acumen) and
• other information available to determine appropriate credit risk (secured/unsecured/ESG factors).
• Provide outcome and recommendations, considering customer value proposition in respect of credit risk/profitability reward (economic modelling tool) within the relevant SLA on Corporate and Retail
• Overall account handling, stakeholder management, reporting, and compliance and sanctioning.

Qualifications and Experience:

• CA(SA) or equivalent qualification, or more than 10 years Corporate Credit Experience, or
• Experience in both Corporate Credit (min 5 years) and Retail Credit (Min 5 years)
• Prior experience with credit management functions as a Sanctioner / Credit mandate is highly preferred.
• Prior experience in supervising teams (5 years) preferred.
• Experience in Petrochemical Industry preferred.
• Fully conversant with IFRS standards (IFRS9) and other regulatory standards relating to Credits function.
• Proficient in Microsoft Office, Advanced Excel skills, SAP4Hana