Credit Analyst
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Job Location:
Monthly Salary:
Posted on:
16 hours ago
Vacancies:
1 Vacancy
Job Summary
To assist the Workplace Banking and Personal Banking team with the origination of credit proposals within acceptable turnaround times. Overriding objective is to grow the Banks lending book and maintain a high quality of lending assets through timely preparation of good quality credit applications.
Qualifications :
Type of Qualification: First Degree
Field of Study: Business Commerce Finance & Accounting or any other related field
Experience Required
5-7 years
- Risk appropriate determination of risk grades incorporating structures cash flows covenants etc
- Determination of credit appetite including (i) appropriateness of proposed structure considering tenor profile commodity price volatilities and ranking (ii) concentration risk exposure
- Identification and assessment of all pertinent risk areas together with mitigating factors
- Understanding of underlying price sensitivities and applicable work-out-scenarios in the event of default
- Being solutions orientated providing innovative solutions to lending
- Appropriate project management of the credit deal pipeline
- Robust risk assessment of collateral capital use and risk / return
- Thorough understanding of the underlying industries and state of economy
- Experience in credit monitoring (existing security excesses security cover ratios collateral management reports etc.)
- Well proven credit skills and the ability to analyse a credit applications risk and benefit parameters and present a sound business justification for the requested facility.
Additional Information :
Behavioural Competencies:
- Checking Things
- Exploring Possibilities
- Interpreting Data
- Meeting Timescales
- Providing Insights
- Upholding Standards
Technical Competencies:
- Application & Submission Verification
- Business Acumen
- Client Relationship Management
- Data Compliance
- Product and Services Knowledge
- Risk Management
- Strategic Business Relationship Management
- Credit Analysis Skills
Remote Work :
No
Employment Type :
Full-time
Key Skills
- Financial Statement Preparation
- Credit Analysis
- Cash Flow Analysis
- Math
- Banking
- Analysis Skills
- UCC Law
- Underwriting
- Financial Analysis
- Financial Modeling
- Financial Report Interpretation
- Word Processing
About Company
Standard Bank Group is a leading Africa-focused financial services group, and an innovative player on the global stage, that offers a variety of career-enhancing opportunities – plus the chance to work alongside some of the sector’s most talented, motivated professionals. Our clients ... View more
