Senior Credit Analyst

SUMMARY:
A challenging opportunity has become available for an experienced Senior Credit Analyst. The ideal candidate will come from a petrochemical environment. This position is based in Milnerton, Cape Town.

POSITION INFO:
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.

• 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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