CREDIT ANALYST

CLOSING DATE 25 AUGUST 2024

PURPOSE
Identify, measure, mitigate and monitor credit risk and by taking appropriate actions
to ensure that the credit quality remains within the Bank's acceptable risk appetite. This will be achieved by conducting detailed credit risk analysis by evaluating potential and existing clients capacity to borrow, by assessing, amongst others, their financial background, their ongoing ability to repay the borrowed credit and adherence to lending conditions throughout the term of the lending relationship.
QUALIFICATIONS

• Bachelors Degree in Financing, Accounting, Economics or Engineering
  EXPERIENCE
• At least 3 years working experience (post Articles) in wholesale credit risk management, corporate or investment banking or similar, with strong analytical experience.
• Knowledge of Private sector (e.g., GAAP, IFRS) and Public Sector Financial Reporting (e.g., GRAP, IAS, IFRS, King IV, MFMA, PFMA), cost accounting and/or financial analysis and/or auditing and the Companies Act.
• Solid knowledge of the financial markets, banking, and municipal operating environment.
• Experience in analyzing, interpreting, and capturing of financial information in financial and credit rating models.
• Practical knowledge of Credit Risk Management and a broad appreciation of the range of Compliance and Enterprise Risk Management and Reporting practices.
• Proficient with Microsoft Office (MS- Word, MS Excel (at an advanced level of proficiency), MS PowerPoint, MS Outlook), Quantitative and Qualitative Credit Rating Models.
• Demonstrated ability to:
  o
  obtain data, perform in depth credit evaluation of both quantitative and qualitative credit risks, and provide expert analysis.
  o
  conduct debt sustainability analysis.
  o
  deliver high quality reports for decision-making.
• Proven ability to effectively manage competing deadlines for projects in a high-pressure work environment.
  Desirable Requirements

Desired Skills:

• wholesale credit risk management
• corporate or investment banking or similar
• with strong analytical experience.
• Credit Analysis
• Knowledge of Private sector (e.g. GAAP IFRS) and Public Sector Financial Reporting (e.g. GRAP IAS IFRS King IV MFMA PFMA) cost accounting and/or financial analysis and/or auditing and the Companies Act.

Desired Work Experience:

• 5 to 10 years

Desired Qualification Level:

• Degree