Analyst, Client

Company DescriptionStandard Bank Group is a leading Africa-focused financial services group, and an innovative player on the global stage, that offers a variety of career-enhancing opportunities – plus the chance to work alongside some of the sector’s most talented, motivated professionals. Our clients range from individuals, to businesses of all sizes, high net worth families and large multinational corporates and institutions. We’re passionate about creating growth in Africa. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you.

Job DescriptionTo evaluate counter-party credit risks associated with Business Banking lending at the client interface, with the primary objective to contain credit risk within acceptable parameters. STRATEGIC FOCUSProvision of direct (specialist/ professional) credit evaluation services at the customer interface. Identifies credit and risk management requirements at the source of the deal negotiation/ business proposal. Conducts credit evaluation interviews during deal negotiation to obtain sufficient and appropriate information to evaluate business risk and deal viability, from a credit risk perspective.

Declines non-viable deals at source, however, works in partnership with Manager, Origination, Relationship Managers and Head Commercial to identify alternatives that could bring deals/ proposals within risk and client acceptable parameters relative to profitability. Develop high quality credit solutions and recommends appropriate facilities in line with risk evaluation with the view of obtaining fast credit approval from Credit teams. Presents and defends own judgement to clients in a manner which does not negatively affect the business relationship.

BUSINESS ACUMEN AND MARKET UNDERSTANDINGTogether with origination manager and Sponsoring RM will prepare a credit facility proposal to be presented to Client Service Team/Business Development and Credit Committee to seek for support. Preparation of acceptable Applications for Facility (AFF) for Credit Decision. Identifies, quantifies, and evaluates sources of risk in relation to profitability of business proposal and financial viability and interrogates information obtained to gain a thorough understanding of business parameters which create profit/ value as well as to mitigate all associated risks.

Utilises industry risk analysis available to identify and understand contextual threats to existing and potential clients. Evaluates whether proposals meet sound business criteria and counter-party credit risk falls within acceptable client selection and risk parameters, and recommends appropriate business credit facilities, including covenants and terms or conditions of facilities. Prepares credit applications by providing sound financial and business justification for deals/ proposals within acceptable client and risk acceptance parameters relative to the profitability. Work in partnership with RMs on new and existing credit applications, providing guidance on credit appetite and consulting with other product partners.

Liaise directly with the Head of Credit (HOC) and respective sanctioning credit evaluation manager (CEM) for all credits that are outside Risk management discretion. Attend customer meetings with the Relationship manager if credit related issues are to be discussed/need to be resolved. Proactively contribute to embedding agreed change management initiatives in support of process and quality improvements, cost reduction. Review and co-ordinate approved sanction letter and execution of documentation and drawdown of facilities.

QualificationsExperience RequiredEducationBachelor of Commerce or similar qualificationsOther relevant qualifications including ACCA/CPA is considered a bonusExperienceAt least 3 years’ experience in Banking and/or Financial Services, 2 years being in Credit. Additional InformationBehavioural Competencies: Influencing skillsHigh levels of accuracyAttention to detailSound judgementExcellent communication skillsAdvanced negotiation skillsTeam WorkingTechnical Competencies: Credit knowledgeFinancial Analysis