Senior Credit Risk Manager - Evaluation

Description:

This is a fixed term contract for 09 months.Responsible for Credit and investment risk assessments within the organisation through:• Processing of credit proposals, compilation of autonomous Credit Submission Reports that form part of the funding applications disseminated to Credit Committees.• Preparation of assessments that include thorough and rigorous testing of the base case assumptions provided by the client or client facing teams and provide the necessary independent attestation on the merits of the business case.• Where necessitated, requesting amendments to proposed terms such as gearing/leverage requirements, default covenants, cash sweep mechanisms, as well as tenor increase/decreases.• Being able to address issues within the disciplines of the credit management cycle, including ensuring that annual reviews are undertaken at least annually by CSG, and risk grades updated and pro-actively assisting clients ahead of distress, improving the portfolio credit quality and avoiding concentrations, thereby improving earnings and growth to ensure the integrity of the organisation portfolio and instill an effective and appropriate risk management cultureQualifications•   CA / B Com degree (or equivalent) post graduate qualification.•   MBA would be an added advantageKnowledge and skills:•   8 to 10 year’s relevant experience in a financial institution, •   Knowledge and understanding of credit risk and any associated risks prevalent in the financing of transactions/projects.•   Portfolio management experience will be an advantage•   Experience working in a high-level collaborative environment•   Ability to manage multiple competing priorities while building effective relationships•   Extremely organized and persistent, with drive and determination to achieve goals•   Provision of independent credit investment assessments and evaluation on credit submissions to approval committees; exercise credit judgment; and make sound credit recommendations within stipulated Service Level Agreement.•   Seek to obtain/enhance collateral to reduce the impact of loss given specific default (“LGDâ€). •   Ensure adherence to credit policies and procedures as well as team alignment to the Credit Risk Appetite Strategy, taking into account group counterparty concentration guidelines; •   Responsible for the final sign-off of all risk ratings within the organisation, including accountability for a consistent rating approach for all entities and application of overrides,•   Provide appropriate guidance and support during Deal Development Forums (DDF) and act as a sounding board throughout the credit process;•   Performing risk grading of Business Partners through application of in-house credit risk tools and models and give constructive view on the output;•   Provide an approach that is reasoned, impartial and encourages participation and challenge to analysis and credit risk m