Corporate Credit Analyst

2 months ago

Lagos, Lagos, Nigeria Rand Merchant Bank Full time

Job Description

To provide quantitative and qualitative assessments of the current and forecast financial strength of a portfolio of corporate clients with the aim to identify portfolio related credit risks

Responsibilities:

The successful candidate will have the following responsibilities:

  • Assess financial transactions, which includes an assessment of products i.e. derivatives and structures used.
  • Assess counterparty credit risk, which includes the following:
  • Assessment or understanding of the operating environment i.e. country, industry, regulatory and legal risk and how it impacts the risk profile of the counterparty.
  • Spreading and modelling of financial statements.
  • Analysing and interpreting financial statements.
  • Quantitative and qualitative assessment to identify and quantify the financial and business risks of the counterparty.
  • Assign credit ratings to counterparties by using internally approved rating methodologies and models.
  • Write credit reports and prepare credit applications and financial models to be presented to the relevant committees.
  • Present credit applications and reports to various credit committees and forums.
  • Monitor financial covenants and financial risks for credit reporting.
  • Ongoing evaluation and monitoring of counterparties and facilities.
  • Ongoing monitoring and management of portfolio, which include making
  • recommendations and/or providing input to further develop the bank's lending policy.
  • Liaise with various business units, divisions and subsidiaries within the FirstRand Banking Group.
  • Interact with clients.

Qualifications and Experience:

The ideal candidate must have:

  • A tertiary education with a financial background, with a minimum Second-Class Upper division or equivalent
  • At least 5 years of credit analysis experience, preferably within a large financial institution or five year's experience in financial markets in a consulting/auditing capacity.
  • Modelling, assessing or advising on financial and business risks should form part of this experience.
  • A sound understanding of Treasury and Financial Markets products i.e., derivatives is required.

Technical Skills and General Competencies:

  • General knowledge of practical economics relating to business, industry and the Nigerian macro-economic environment.
  • Knowledge and understanding of the Companies Act, Commercial Law, legal issues relating to security, exchange control and other relevant legislation or regulatory requirements, including IFRS, Basle II and III.
  • Knowledge and understanding of the taxation of companies, financial institutions and shareholders.
  • Good understanding of financial instruments products i.e., derivatives and markets.
  • A good understanding of credit ratings, portfolio theory and credit pricing.

Key Competencies:

General

Ability to quickly gain proficiency in the following areas:

  • Develop an in-depth knowledge of specific operating environments i.e., country, industry, regulatory and legal risk and how it could impact on the risk profile of the counterparty and specific transactions.
  • Develop an in-depth knowledge of specific sectors and clients as part of a specific industry research team.
  • Assessing financial transactions, which include derivatives and other product structures in order to identify.
  • Credit and other risks pertaining to vanilla and exotic derivative structures.
  • Identifying transaction specific risks including credit, taxation, accounting, legal and exchange control pertaining to transactions.
  • Assessing counterparty credit risk.
  • Introducing risk mitigating measures as input to transactions in line with the risk philosophy of the Bank.
  • A good understanding of the Bank's credit risk appetite, credit grading and credit pricing models.
  • A general understanding of trends in the global lending market with a view to providing input into the bank wide lending policy development process.
  • Human Relations Profile
  • Strong character & integrity paramount.
  • High degree of self-confidence; pleasant personality; well presented.
  • Well organized / good time management skills / disciplined/ detail orientated.
  • Self-starter able to work with minimal supervision.
  • Flexible when necessary and ability to work effectively under pressure.
  • Strong work ethic and able to operate in a fast-changing environment building a business.
  • Excellent communication skills i.e., verbal, writing and presentation skills.
  • Ability to work with a team and/or independently.

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