Senior Credit Analyst - Cape Town City Centre
Responsibilities:
Qualifications and Experience:
- 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
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