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Senior Credit Analyst / Head of Credit

Senior Credit Analyst / Head of Credit

Job Title: Senior Credit Analyst / Head of Credit
Contract Type: Permanent
Location: Western Cape
Industry:
Reference: JN -032020-20431
Contact Name: Kim Nourse
Contact Email: kim.nourse@peoplesolved.com
Job Published: March 27, 2020 09:49

Job Description

The successful candidate will be responsible for the following: -

  • Manage credit exposure in portfolios in accordance with prescribed investment mandates guidelines
  • Developing and managing a credit investment strategy which leads to credit portfolio construction through selecting credit investment opportunities on relative value analysis 
  • Responsible for monitoring credit exposure in portfolios after the selection and execution of investment decision
  • Must have a sound understanding of Legislation governing Investment funds
  • Managing concentration risk
  • Responsible for credit pricing 
  • Proactively seek credit investment opportunities in order to meet portfolio risk and return targets by engaging with external debt origination teams with regards to sourcing of suitable unlisted credit investments and by engaging with external parties (e.g. banks and arrangers) to source listed credit opportunities in the primary and secondary markets
  • Risk analysis and reporting on credit exposure in portfolio relative to investment mandate guidelines and risk and performance benchmarks (including VAR metrics for specific portfolios)
  • Formulate, articulate and present credit views and strategy
  • Monitor domestic and global markets, analyzing their effect on investments to ensure the effective management of credit exposure in portfolios
  • Engaging with clients and investment team in order to provide monthly performance feedback and for ad hoc requests

 

Credit Analysis and Process Management

  • Responsible for building, enhancing and maintaining the credit risk process
  • Management of deal flow through deal sourcing and pipeline management
  • Identify, develop and maintain counterparty and borrower relationships 
  • Management and coordination of new transactions including but not limited to pre-screening of transactions, deal/issuer analysis and due-diligence, financial structuring, deal negotiating, legal process, and closure/drawdowns, collateral registration and post deal monitoring.
  • Review and monitoring of existing transactions and oversee scheduled internal reviews, company visits and update reports
  • Management of credit risk through sector and market research, investment mandate compliance and risk reporting
  • Coordination of credit approval process
  • Oversee the credit research process in terms of credit pricing 
  • Oversee credit risk analysis and valuations
  • Management of credit team: assign responsibilities & manage performance (if and where applicable)
  • Lead process and systems development
  • Media engagement (i.e. articles, interviews, speaking engagements, etc.)
  • Monitor credit markets and other relevant markets
  • Keeping abreast of key issues in the credit market (for example legal, market risk and compliance issues)
  • Assist in writing market reports to clients
  • Collate and present credit data required by the team in making investment decisions
  • Design and implement a consistent decision-making framework that optimizes return on VAR based credit limits. This should include pricing and risk management, and should encompass issuer, sectoral and correlated risks (CLN’s and CDS’s would form part of the investable universe).

 

Qualification and Experience:

  • Bachelor of Commerce (Accounting/ Finance/Economics/ Financial Analysis) or equivalent qualification
  • CA/CFA preferable
  • Minimum of 7-10 Years extensive and relevant experience in commercial credit (i.e. listed and unlisted credit analysis, managing credit process, structured credit, project finance, securitisation transactions and portfolio management experience an advantage)
 

Competencies (Capacity)

  • Sound, proven analytical skills
  • Logical thinking skills
  • Relevant technical skills
  • Excellent negotiation skills
  • Strong and effective communication skills (verbal and written)
  • Leadership/management skills
  • Meticulous planning and excellent organization skills (Must value being organized, accuracy and attention to detail)
  • Acute awareness and appreciation of detail, demands and deadlines
  • Strong computer literacy (Office Suite with Advanced Excel skills)
  • Problem solving skills
  • Research and due diligence skills
  • Strategic leadership and/or management skills
  • System automation skills (Ability to automate processes/procedures and apply analysis in a database environment)
  • Coordination skills
  • Implementation skills
  • Excellent decision making/judgement skills

 

Character (Credibility)

  • Fiduciary responsibility (Must have high ethical standards to act in the best interest of clients and the business)
  • Ability to self-manage and govern (deliberate, disciplined, organised and accountable)
  • High degree of Emotional Intelligence
  • Value for truth, honesty and transparency (stick to facts)
  • Trustworthy, loyal and dependable
  • Value governance, protocols and procedures

 

Chemistry (Collaboration)

  • Confident, persuasive, articulate and ability to influence others
  • Ability to work in a diverse team
  • Highly motivated to drive the empowerment and development of self and others 
  • Possess a high degree of coordination, dependability and a desire to work collaboratively towards a high-performance team
  • Ability to manage and resolve conflict

 

Courage (Creativity and Adaptability)

  • Ability to function in a high-pressured environment and meet deadlines
  • Superior skills to be flexible and adaptive in a changing environment
  • Ability to succeed in a volatile, uncertain, complex and ambiguous environment
  • Ability to be resourceful

 

Other

  • This individual will have a clear vision about life and career and be mission orientated with a demonstrable ability to achieve objectives.

 

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