Credit Analyst at RMB - Rand Merchant Bank

Job Description
Hello future Credit Analyst

Credit Research

• Manage the planning, execution and governance for new and annual credit reviews/ratings and deal transactions.
• Presentation, support, and enablement of team members at relevant governance forums  
• Responsible for assessment of new transactions where Credit risk is undertaken.
• Proactive engagement with deal teams on complex deal transactions around structure, covenants and pricing
• Interact with relevant Legal Advisor to ensure that Legal agreements are concluded for all transactions where credit risk is taken.
• Review of exposure limits, ratings and systems for Credit  exposures.
• Ensure team compliance with the bank’s credit risk framework, lgd models and prudential limit guidelines
• Work closely with the Head of Credit Research in the management and reporting of  breaches in terms of concentrations and risk limits
• Attendance, input and interaction at relevant forums, committees etc. related to Credit Risk.
• Make recommendations to optimise credit processes and “ways of working” 
• Ad hoc requests related to credit research function

Client Engagement

• Providing key stakeholders with pro-active research insights into trends, market risk appetite, issues, threats, and opportunities in all credit portfolios
• Be proactive in sharing insights across the Ashburton business and risk cluster in respect of counterparties where Credit exposure is taken.
• Partnering with business clusters to maintain credit losses, profitability and other credit risk exposures
• Work in collaboration with the Portfolio Managers, to ensure alignment in  thinking about credit exposures.
• Asset Class Knowledge
• Provide insight and optimise problem management processes with risk prone investments on the surveillance and watchlist
• Facilitate the understanding for the suitability of instruments for specific portfolios in accordance with their mandates.
• Propose strategies for managing identified risks in credit

Analysis

• Ensure the analysis, identification and mitigation of counterparty exposures and mitigations through detailed knowledge of environmental factors
• Have a detailed knowledge of the critical key macro environmental impacts and inter-relationships e.g. jurisdictional compliance, sector developments, regulations, financial markets, country risk
• Understand and apply/translate the critical micro-environmental impacts and relationships e.g. company performance trends, financial data, debt profile, gearing, projected cash flows, operations
• Proactively manage credit risk metrics that are identified via risk dashboards and reporting
• Provide technical support in the implementation of a credit limit monitoring system with Risk and Operations.

You will be an ideal candidate if you:

• Have completed CA(SA), CFA considered favourable
• Minimum 3 years relevant experience in an asset management or investment banking environment and exposure to credit portfolio risk
• Have exposure to credit risk modelling
• Have knowledge of factors affecting national and global companies and their impact on investors
• Have Knowledge of risk management methodologies, tools, governance structures and regulatory requirements 
• Have a thorough understanding of the investment process and the risks therein

You will have access to:

• Opportunities to network and collaborate
• Challenging work
• Opportunities to innovate
• We can be a match if you have:
• Curious & courageous - you're driven by always wanting to know more and learn more and you're brave enough to
• Obsessed with mastery - you know what it takes to become good at what you do and are constantly pushing yourself to do it
• Have Strong people skills needed in order to build trust and confidence within the Ashburton business
• Have Good communication and presentation skills