Credit Analyst - First National Bank

purpose

Analyses credit data to estimate the degree of risk in extending credit or lending money. Consults with management to assist in corporate planning.

responsibilities

• Comprehensive understanding of the economic environment, business risks and financial reports with the ability to relate such issues to specific business opportunities and the risk profile of individual clients
• Identifying transaction-specific risks including credit, taxation, accounting and legal
• Introducing risk-mitigating measures as input to structure transactions in line with the risk philosophy of the Bank.
• General understanding of the RSA Companies Act, Tax, Commercial Law and legal issues relating to security
• Excellent verbal presentation and report writing skills (reports are presented to the Credit Committee and to the Board of Directors).
• Keeping up to date with news and events that might affect various individual counterparties and portfolios.
• A good understanding of credit grading and credit pricing models.
• Modelling, assessing and advising on industry and company-specific risks

experience and qualifications

• Relevant 3-year degree or diploma.
• Minimum of 3 years of related experience.