CIB Risk Credit Analyst
- Umhlanga, KwaZulu-Natal
- Permanent
- Full-time
- To conduct quality credit risk assessments and reviews and proactively manage credit risks associated with clients across the Mid-corporate portfolio.
- Perform robust financial and non-financial analysis on the client that will support and underpin all new proposals in terms of the client’s credit risk implications.
- Proactively manage the credit risk on the portfolio by completing timely reviews, ensuring securities and conditions are up to date and monitored
- Monitor the client performance on a continuous basis, in addition to performing annual reviews of clients, to ensure early detection of a client's business or operating environment.
- Conduct all client risk assessments and portfolio monitoring in compliance with all the relevant governance and policy frameworks.
- Ensure that all covenants are measured and reported during the review or new credit application process
- Ensure that all excesses are monitored, cleared and/or escalated within KPI targets
- To produce relevant management information and manage exposures including the maintenance of relevant systems.
- Drive RWA efficiencies through ensuring that the data in terms of Default Grades (DG's), Loss Given Defaults (LGD's), limits and review dates are correctly captured on the Bank's credit systems
- Provide solution driven support to business to facilitate growth initiatives, whilst maintaining a healthy balance between risk and reward.
- Actively partake and provide input into Deal Forums ensuring that credit risk associated with business opportunities are pro-actively highlighted and managed.