One of our clients in the Financial Services industry is seeking a Credit Analyst for their Credit Division.

Intensive credit analysis includes:
• Analyse and interpret annual financial statements, management accounts and bank statements
• Analyse and monitor credit risk exposures, assessing compliance with investment guidelines and internal controls
• Review substantial amounts of documentation and extract, analyse and mitigate key issues
• Determine the main drivers and risk factors relevant to the borrowing company and formulate an informed view of the likelihood vs. the Potential impact on the business
• Prepare or motivate and / or present well considered credit applications to the relevant sanctioning authorities
• Play a consultation role to the business units in terms of deal structuring and compiling facility letters and to find effective solutions to problems
• Participate in and manage from a credit point of view the deal closure process
• Manage the transaction after deal closure to ensure compliance to terms, conditions and covenants and take corrective action where breaches occur or where a negative trend emerges

Acquired Knowledge, skills and educational qualifications:
• BCom degree in Finance and / or Mathematics as a subject or an equivalent qualification
• 1 -2 years working knowledge of credit risk management
• A good understanding of financial services or banking in the credit environment
• A good working knowledge of accounting, economics, commercial law, business valuations and cash flow analysis
• Good understanding of the legal and statutory aspects of companies, partnerships, trusts and of legal agreements
• Proficient in Microsoft Excel, Word