Senior Credit Analyst: TMT at Rand Merchant Bank

To provide quantitative and qualitative assessments of the current and forecast financial strength of a portfolio of corporate clients with the aim to identify portfolio related credit risks
Responsibilities:

•      Manage lending limits
•      Manage database and provide input regarding limits, ratings, Loss Given Default (LGD) and governance monitoring
•      Suggest risk mitigating measures as input to structure transactions in line with the risk philosophy of the Bank
•      Manage credit risk appetite (limits) by scrutinizing current portfolio exposures
•      Keep portfolio current by reviewing at least once in a 12-month period
•      Identify transaction specific risks including credit, taxation, accounting and legal
•      Document findings for approval committee
•      Act as a bridge between risk and business on contentious issues
•      Remain objective and present both arguments and pros and cons
•      Forecast, analyse financials and collate data
•      Participate in meetings with senior stakeholders
•      Build and maintain professional working relationships with all stakeholders, displaying excellent abilities to initiate dialogue, listen, advise, influence and negotiate to achieve win-win outcomes
•      Initiate meetings with key stakeholders to track progress, manage expectations and ensure stakeholders’ requirements are delivered
•      Preserves relationships despite airing conflicting views and seeks mutual gains when addressing conflicts
•      Anticipates consequences and adapts problem solving based on continual feedback
•      Act speedily to resolve problems, queries and complaints
•      Adapt communication styles to meet the needs of different audiences
•      Plan and manage own workflow, anticipating obstacles, juggling priorities and following through on objectives within agreed time-frames and according to quality standards
•      Stay relevant and up-to-date with legislations and new development
•      Maintain a positive attitude and respond openly to feedback
•      Handle stress in ways that do not negatively impact others
•      Take ownership of personal career development, leveraging formal and informal opportunities
•      Act in an ethical, transparent and morally defensible manner, including highlighting unethical practices
•      Continually share, debate and communicate learning’s
•      Flag and debate issues constructively
•      Contribute to a friendly, co-operative climate in working with others to achieve collective goals
•      Be sensitive to others feelings, needs, values, views and attitudes and be courteous and diplomatic when dealing with difficulties and problems others may be experiencing (EQ)

Qualifications & Experience:

•   Minimum CA (SA) or CFA
•    Must have at least 3 years of solid Corporate Credit experience – non negotiable