Credit Risk Analyst Pretoria Permanent

Affirmative Portfolios; Pretoria; On-site; ZAR 1 100 000 - 1 300 000; Full time

Job summary

A leading financial services firm in Pretoria seeks a Credit Risk Analyst to manage credit risk through identifying, quantifying, and reporting on various risk factors. The ideal candidate must possess strong analytical and financial modeling skills and a minimum of 4 years of relevant experience. Qualifications include a B Com in Finance or Accounting, with further financial qualifications being advantageous. The role involves ongoing market research and preparing detailed risk assessments for investment portfolios.

Qualifications

• Minimum 4 years relevant experience in credit risk.
• Experience in due diligence assessments in Corporate Finance and Project Finance Deals required.
• Knowledge of Credit Assessment Techniques and compliance requirements essential.

Responsibilities

• Manage credit risk by identifying and quantifying various forms of risk.
• Conduct ongoing research for informed credit risk recommendations.
• Prepare credit reports and advise on pricing and exposure.

Skills

Credit risk assessment

Financial modeling

Risk management

Investment compliance management

Programming skills

Education

B Com Degree in Finance / Accounting

BSc in Actuarial / Mathematics or related Commercial degree

Postgraduate Finance or Investment-related Degree

CFA, FRM, CAIA (Highly Advantageous)

Job description

Credit Risk Analyst Pretoria Permanent

Finance / Accounting Pretoria - Gauteng

Salary

up to R1.3mil (Depending on experience)

Overview

To manage credit risk by way of identifying, quantifying, and reporting on various forms of credit risk (e.g. pricing, volatility, and interest rate risk).

To conduct ongoing research and understanding of financial markets to understand trends and risks to ensure informed credit risk recommendations.

Prepare Credit reports, advising appropriate credit risk ratings, pricing, exposure and making investment recommendations with respect to the individual transactions.

Minimum Requirements and Experience

• B Com Degree in Finance / Accounting
• BSc in Actuarial / Mathematics or any related Commercial degree
• Post graduate Finance or Investment-related Degree
• CFA, FRM, CAIA (Highly Advantageous)

Minimum 4 years relevant experience in

• Due diligence assessments of credit risk in Corporate Finance and Project Finance Deals.
• Minimum 4 years credit risk experience in both unlisted and listed credit is highly advantageous.
• Knowledge of Credit Assessment Techniques for various asset classes
• Knowledge of Financial Modeling and Valuation techniques
• Knowledge of compliance requirements for investments in Asset Management
• Knowledge of systems used in investments in order to perform and apply analytical skills.

Competencies

• Valuation techniques for various asset classes (listed, unlisted and property assets)
• Credit risk management for various asset classes (listed, unlisted and property assets)
• Knowledge and understanding of financial and non-financial risks
• Financial / Investment risk management
• Investment Compliance management
• Risk Monitoring and Reporting (Cradle to Grave)
• Programming skills given the dependency on model usage
• Ability to work and collaborate with multiple teams in the Investment Process
• Ability to work independently to execute mandated tasks
• Ability to communicate at senior management level
• Ability to work under pressure and to tight deadlines
• Ability to travel (domestically and internationally) to conduct due diligence
• High degree of ethical conduct to ensure integrity of the investment portfolios.

Key Performance Areas

• To provide expert advice on credit risk factors that may influence investment decisions made on The Company portfolios for both listed and unlisted investments.
• To participate in due diligence of investment considerations and to provide independent risk assessment detailed reports, with recommendations to the various committees to inform decision-making.
• To assess investment considerations against both the client mandates and The Company s internal investment related and other applicable policies and processes, which assessment will form part of the overall risk assessment to inform decision-making.
• To conduct ongoing risk monitoring, at investment and portfolio level for reporting to The Company Management, Client and Board (as required)
• To participate in ad-hoc credit and investment risk related projects and activities related to improving ways of measuring, managing, reporting and / or minimizing risk while ensuring maximized return on all Company portfolios.
• To participate in quarterly monitoring of investments (as required), including impairment calculations.
• To participate in ad-hoc requests from clients and / or The Company management to provide input into the risks and opportunities for portfolio optimisation.
• Contribute to the enhancement of credit risk and investment risk processes to enable continued robustness of The Companys risk management.
• To conduct ongoing research and understanding of financial markets to understand trends and risks to ensure informed credit risk recommendations.

NB : Should you not be contacted within 2 weeks of your application, please consider it as unsuccessful.

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