Credit Risk Analyst
Salary: All-inclusive remuneration package negotiable
Centre: Risk Management division, Pretoria
Credit Risk Analyst Requirements:
• B Com Degree (Finance/Accounting), BSc (Actuarial/Mathematics) or any related
Commercial degree
• Postgraduate Finance or Investment-related Degree, CFA, FRM, CAIA (Highly
Advantageous)
• 2 – 4 year’s relevant experience in due diligence assessments of credit risk in Corporate
Finance and Project Finance Deals.
• Credit risk experience in both unlisted and listed credit is highly advantageous.
• Knowledge of Credit Assessment Techniques for various asset classes
• Knowledge of Financial Modeling and Valuation techniques
• Knowledge of compliance requirements for investments in Asset Management
Credit Risk Analyst Duties:
• To provide expert advice on credit risk factors that may influence investment decisions made on
PIC portfolios for both listed and unlisted investments.
• To participate in due diligence of investment considerations and to provide independent risk
assessment detailed reports, with recommendations to the various committees to inform decision making.
• To assess investment considerations against both the client mandates and the PIC’s internal
investment related and other applicable policies and processes, which assessment will form part
of the overall risk assessment to inform decision-making.
• To conduct ongoing risk monitoring, at investment and portfolio level for reporting to PIC
Management, Client and Board (as required)
• To participate in ad-hoc credit and investment risk related projects and activities related to
improving ways of measuring, managing, reporting and/or minimizing risk while ensuring
maximized return on all PIC portfolios.
• To participate in quarterly monitoring of investments (as required), including impairment
calculations.
• To participate in ad-hoc requests from clients and/or PIC management to provide input into the
risks and opportunities for portfolio optimisation.
• Contribute to the enhancement of credit risk and investment risk processes to enable continued
robustness of PIC’s risk management.
• To conduct ongoing research and understanding of financial markets to understand trends and
risks to ensure informed credit risk recommendations.
Competencies:
• Knowledge of systems used in investments in order to perform and apply analytical skill
Competencies:
• Knowledge of systems used in investments in order to perform and apply analytical skills
• Valuation techniques for various asset classes (listed, unlisted and property assets)
• Credit risk management for various asset classes (listed, unlisted and property assets)
• Due diligence and Credit restructuring skills
• Knowledge and understanding of financial and non-financial risks
• Financial/Investment risk management
• Investment Compliance management
• Risk Monitoring and Reporting (‘Cradle to Grave’)
• Programming skills given the dependency on model usage
• Strong analytical skills
• Strong research skills
• Strong financial modelling skills
• Strong presentation skills (written and verbal)
• Ability to work and collaborate with multiple teams in the Investment Process
• Ability to work independently to execute mandated tasks
• Ability to communicate at senior management level
• Ability to work under pressure and to tight deadlines
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