Job Description: To carry out comprehensive credit assessments and analysis on potential and existing counters within the SA large corporate and Mid-Corporate portfolio to enhance the decision making process in determining the IC’s appetite to extend credit to these companies. To work within existing credit policies to structure appropriate investment solutions for the portfolios and manage all other credit related issues for various credit portfolios. Job Responsibilities: Perform robust financial and non-financial analysis on the client that supports the review of facilities or new funding proposals. Conduct a full assessment of the risks and potential mitigating factors impacting on a investment decision. Facilitate the credit sanctioning process by responding to sanctioned enquiries and/or attending all relevant Credit Committee meetings in order to present and sponsor credit applications that have been submitted under your signature. Based on analysis conducted structure a lending solution for the client that will account for the potential threats to the client and that is within set credit limits and the Bank's credit lending policies and appetite. Compile reviews, amendments and new applications to the appropriate lending authorities. Monitor the client performance on a continuous basis, in addition to performing annual reviews of clients, to ensure early detection of a client's business or operating environment. Conduct research on the industry in which the client operates to understand overall profitability, industry trends and clients’ market standing relative to its competitors. Compile a proposal which summarises, the clients’ background and needs, the research findings and the final recommendation on which credit lending solution is best for the client, for the Credit Manager to approve in the interim and escalate further for the necessary approval. Make use of clients' historical data, for example, its financial statements to forecast the clients’ potential growth and sustainability. Conduct a sensitivity/scenario analysis to determine the impact that a change in, for example the economy, political situation, consumer demand etc. will have on the clients’ financial health. Job Requirements: Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required) Job Details: Company: Absa Group Limited Vacancy Type: Full Time Job Location: Cape Town Application Deadline: N/A Apply Here instantcareers.net
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