Credit Analyst

The purpose of this position is to identify, measure, mitigate and monitor credit risk and by taking appropriate actions to ensure that the credit quality remains within the Banks acceptable risk appetite. This will be achieved by conducting detailed credit risk analysis by evaluating potential and existing clients capacity to borrow, by assessing, amongst others, their financial background, their ongoing ability to repay the borrowed credit and adherence to lending conditions throughout the term of the lending relationship.

Credit Risk Management and Monitoring

Perform credit and financial analysis on new business deals and review of existing clients through analysis and interpretation of financial and economic metrics to ensure acceptable credit risk resulting in minimizing non- performing loans (NPLs) and/or write-offs.

Provide detailed report/s on analysis, findings and recommendations tied to the assessment of credit risk.

Present analysis, findings and recommendations that involves the borrowers ability to repay.

Develop and prepare spreadsheets and models to support analysis of new and exist credit/loan applications.

Determine internal DBSA credit ratings and loss given default (LGDs) together with return on investments proposals that are acceptable to the Bank, on a risk vs return basis.

Form Part Of The Deal Closing Team To

negotiate covenants, collateral and legal conditions with clients and co-lenders, in accordance with the Banks approved key terms; and

disburse approvals in accordance with the Banks in ternal procedures and legal agreement conditions.

Manage the ongoing credit risk on a portfolio of clients by pro-actively identifying problematic/high risk clients through regular reviews and industry updates, staying up to date with the latest market developments and conducting industry research when required.

Monitor adherence to covenants and other legal agreements conditions on a continuous basis and discuss any deviations and possible concerns with Investment teams to remedy non-adherence. Escalate issues through internal procedures (e.g., rapid risk reviews) and/or to management where necessary.

Manage, monitor, and communicate other credit risks associated with outstanding collateral, covenants and undertakings; and credit migration of clients on/off the Watchlist and NPLs book.

Adhere to Banks lending protocols, risk management policies and procedures and ensure that they are fully complied with and that any policy breaches have been suitably addressed and mitigated.