Job Description
- Timely drafting of credit analysis as directed by the relevant Team Leader Such analysis should be Insightful, Relevant and Succinct (see Strategy) and include the following
- Discussion of the dynamics and nature of the Client’s industry, including key risk aspects;
- Assessment of the Client’s competitive positioning within its industry;
- Discussion of management strength, experience and track record and corporate governance more broadly;
- Articulation of the Client’s strategy and an assessment of its clarity and associated execution risks;
- Assessment of funding strategy, financial policy, treasury activity (hedging, cash management) and liquidity;
- Development of a current / forward year base forecast performance expectation;
- Assessment of balance sheet strength, alongside cashflow and profitability vulnerability, via ratio analysis and/or stress testing;
- Discussion of other pertinent risk aspects, including country risk, parental and/or governmental linkage/support, relative ranking of indebtedness, Fraud risk;
- Evaluation of risks associated with particular proposed transactions, where required;
- Completion of Group Mandate/BCA Part 1, Part 2, financial analysis/spreads, scorecards;
- Ensure use of appropriate calculator in alignment with Credit Policy for relevant approvals (e.g. Raptor, Group Aggregation Calculator);
- Complete ESRA (Environment and Social Risk Assessment) Checklist;
- For Cat 2 lines, complete Financial Markets Appropriateness and GWWR Attribute checklist;
- For Cat 2 lines, Credit Term Sheet updates based on RM/Risk feedback;
- Supporting business on structuring deals;
- Documentation support on credit aspects and working with IMO on BCA reworks;
- Testing and Monitoring Covenants & Risk Triggers;
- EAR & ASTAR reporting/updates to credit;
- Seek pre-approval endorsements(where applicable);
- Preparing country specific regulatory check-lists (where applicable);
- Credit stress testing.
Job Requirements
- Analytical strength – to spot emerging risks, in particular forward looking industry trends.
- Gravitas – to engage with Relationship Managers and Clients alike, have the ability to challenge in a constructive manner.
- Collaborative – to work in partnership with stakeholders to ‘get things done’, fulfilling the Job Purpose.
- Minimum of 3-5 years’ relevant experience gained either in banking, treasury or accounting environment.
- Strong analytical ability, focused on the assessment and calibration of credit risk.
- Strong verbal and written communication skills (in English), with proven ability to work across cultures and within a dynamic environment.
- Able to hold credible dialogue at all levels of the organisation, as well .
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