Credit Analyst at Gap Infrastructure Corporation - GIC

Description
We are searching for a highly motivated and energetic Credit Analyst. The Credit Analyst will provide critical credit expertise, enabling informed investment decisions and effective risk management within the infrastructure fund.

Requirements
ROLE OVERVIEW AND RESPONSIBILITIES

The Credit Analyst will provide critical credit expertise, enabling informed investment decisions and effective risk management within the infrastructure fund, and will be responsible for, inter alia:

• Credit Risk Assessment: Evaluating the creditworthiness of potential borrowers or investments, including analysis of financial statements, credit reports, and industry trends.
• Creditworthiness Evaluation: Assessing the ability of borrowers to repay loans, considering factors like cash flow, collateral, and industry risks.
• Risk Rating Assignment: Assigning credit ratings to borrowers based on their creditworthiness, using established rating criteria.
• Credit Memorandum Preparation: Preparing comprehensive credit memoranda, summarizing credit analysis and recommendations for investment decisions.
• Portfolio Monitoring: Continuously monitoring the credit quality of the fund's portfolio, identifying potential risks and opportunities for improvement.
• Research and Analysis: Conducting in-depth research and analysis on specific industries, markets, or companies to inform credit decisions.
• Collaboration with Investment Team: Working closely with the investment team to provide credit insights and recommendations, ensuring alignment with investment strategies.
• Compliance and Regulatory Reporting: Ensuring compliance with regulatory requirements and maintaining accurate credit records and reports.
• The Credit Analyst provides critical credit expertise, enabling informed investment decisions and effective risk management within the infrastructure fund.
• Supporting the MD to further operationalise the Fund.
• Support the establishment and development of the Fund’s policies, governance structures, business plans and strategies in alignment with the NIF’s goals and objectives.
• Support the MD to attract additional capital for the Fund, project development partners and leveraging third party co-investment for opportunities, from local and international partners and players (whether financial or strategic).

REQUIRED SKILLS, EXPERIENCE AND ATTRIBUTES

Experience:

•  Minimum 3-5 years in credit analysis, risk assessment, or related fields
•  Experience in financial analysis, accounting, or investment banking
•  Familiarity with infrastructure investing, finance, or related sectors

Attributes:

•  Strong analytical and problem-solving skills
•  Excellent financial modelling and data analysis abilities
•  Effective communication and report-writing skills
•  Ability to work under pressure, meeting deadlines
•  Strong attention to detail and high accuracy standards
•  Knowledge of credit risk assessment methodologies and models
•  Understanding of financial markets, instruments, and regulations
•  Professional certifications like CFA, CAIA, or CPA are advantageous

Key skills:

• Financial statement analysis and interpretation
• Credit risk modelling and rating methodologies
• Industry research and trend analysis
•  Financial modelling and forecasting
• Data analysis and data visualization
• Effective communication of credit recommendations
• Strong Excel and financial software skills (e.g., Bloomberg, S&P Capital IQ)

The Credit Analyst should be a detail-oriented, analytical, and communicative professional, able to provide high-quality credit analysis and recommendations to support informed investment decisions in the infrastructure fund.

Knowledge of the infrastructure sector:

An understanding of:

• the role that infrastructure plays in shaping the economy locally and globally
• the role that infrastructure plays in creating value for stakeholders
•  An understanding of new trends in the infrastructure sector locally and globally.
•  Knowledge of various infrastructure sub-sectors such as water, transportation, energy, etc.
•  An understanding of the current participants in the South African and global infrastructure sector, and the players that have the potential to be future participants and partners.

Other Skills, Experience and Attributes:

• Highly proactive, with an entrepreneurial attitude.
• Strong interest in South Africa and contributing to the development of the local economy and infrastructure eco-system
• Creative and innovative, desire to think and deliver beyond minimum deliverables – ability to think on your feet