Senior Credit Analyst

Qualifications

• 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

• 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