Credit Analyst

Responsible for the credit risk management of counterparty exposures within the property and international portfolio:

• Identifying, measuring, monitoring, and managing credit risk for all product types on a single obligor, group, and portfolio basis.
• Critical assessment of credit risk falling in the assigned portfolio.
• Assess the creditworthiness of property and international clients, including listed and unlisted property companies, multinational corporations, fund managers, and foreign businesses.
• Produce research and impart knowledge to the broader business and credit committees on developments in the portfolio.
• Identification of transaction and business specific risk and introduction of risk mitigation factors on new transactions.
• Perform comparative analysis amongst industry peers to assess a proposed counterpart’s position relative to its industry peers.
• Annual, semi-annual, quarterly assessment of credit risk per counterparty in the portfolio.
• Financial analysis and credit ratings to be accurate and updated as and when new information becomes available, using the suite of models used by SanFin.
• Document analysis in the standard credit application format – information should be accurate, complete, comprehensive, and of good quality.
• Critically and independently making recommendations to the relevant committees.
• Close consultation with Credit Portfolio Management (“CPM”) to enable CPM to calculate accurate Economic Capital and Risk-adjusted return statistics.
• Ongoing monitoring of transactional and credit risk aspects in the portfolio.
• Always ensure compliance with the Credit Risk Strategy and Policy.

Assist various Risk Departments with the implementation of new transactions:

• Assist Compliance Department where necessary with relevant information related to new account opening procedures.
• Assist the Legal Department where necessary with the finalisation of legal documentation.
• Assist the Legal Treasury Advisor with information pertaining to Facility Agreements and CSA documentation.

Other:

• Ongoing monitoring of limits and exposures in the portfolio.
• Assistance in resolving breaches.
• Interaction with front office on debt funding initiatives.
• Maintain credit files (electronic format) of counterparts, in good order.
• Take responsibility for reporting requirements as allocated from time to time.

Qualification and Experience:

• Degree with a minimum of 5 years of credit risk experience.
• Previous exposure to credit risk assessment, credit monitoring, processes, and procedures essential.
• Prior experience or interest in property finance would be advantageous.
• Analytical and numerical skills: ability to analyse financial statements and quantify financial risks.
• Ability to produce written reports to highlight financial matters of importance.
• Ability to present credit applications, with confidence, to the Sub-Credit or similar committees.
• General knowledge of business, industry, and the macroeconomic environment and financial markets.
• Experience of commercial law principles and ability to assist with the documentary process (with legal assistance).
• Good presentation skills.
• Strong organising and planning abilities.
• Computer literacy: proficiency in Word and Excel.
• Ability to interface seamlessly with other team members, both of credit as well as the front office teams.

Knowledge and Skills:

• Competitor Analysis.
• Rank companies within industry based on credit ratings.
• Written reports for lending decisions.
• Recommendations and presentation of results.
• Financial modelling.