Senior Credit Analyst
Boardroom Appointments
- Sandton, Johannesburg
- Permanent
- Full-time
- Ideally Bachelors degree in Finance, Economics or related field or CA (SA) or CFA
- Ability to query, interpret, and present complex data clearly to support decision-making processes.
- Minimum 6 years experience in credit risk analysis in the retail/banking environment, with comprehensive knowledge across the credit lifecycle
- Proven experience of successfully managing a team of credit analysts.
- Detail-oriented and able to work independently
- Manage lending limits
- Conduct credit reviews and credit approvals
- Manage the customer database and provide input regarding limits, ratings, Loss Given Default (LGD)
- Suggest risk mitigating measures for our consumer finance products in line with the risk philosophy of the Company
- Manage credit risk appetite (limits) by scrutinizing current portfolio exposures
- Keep portfolio current by reviewing at least once in a 12-month period
- Identify transaction specific risks including credit, taxation, accounting and legal
- Document findings and report to the credit committee
- Act as a bridge between risk and business on contentious issues
- Remain objective and present both arguments and pros and cons
- Forecast and analyse financials and collate and model data (where required)
- Participate in meetings with senior stakeholders
- Project management i.e. track progress, manage expectations and ensure stakeholders requirements are delivered