Credit Analyst
7 days ago
Job Description
Hello future Credit Analyst
Credit Research
- Manage the planning, execution and governance for new and annual credit reviews/ratings and deal transactions.
- Presentation, support, and enablement of team members at relevant governance forums
- Responsible for assessment of new transactions where Credit risk is undertaken.
- Proactive engagement with deal teams on complex deal transactions around structure, covenants and pricing
- Interact with relevant Legal Advisor to ensure that Legal agreements are concluded for all transactions where credit risk is taken.
- Review of exposure limits, ratings and systems for Credit exposures.
- Ensure team compliance with the bank’s credit risk framework, lgd models and prudential limit guidelines
- Work closely with the Head of Credit Research in the management and reporting of breaches in terms of concentrations and risk limits
- Attendance, input and interaction at relevant forums, committees etc. related to Credit Risk.
- Make recommendations to optimise credit processes and “ways of working”
- Ad hoc requests related to credit research function
Client Engagement
- Providing key stakeholders with pro-active research insights into trends, market risk appetite, issues, threats, and opportunities in all credit portfolios
- Be proactive in sharing insights across the Ashburton business and risk cluster in respect of counterparties where Credit exposure is taken.
- Partnering with business clusters to maintain credit losses, profitability and other credit risk exposures
- Work in collaboration with the Portfolio Managers, to ensure alignment in thinking about credit exposures.
- Asset Class Knowledge
- Provide insight and optimise problem management processes with risk prone investments on the surveillance and watchlist
- Facilitate the understanding for the suitability of instruments for specific portfolios in accordance with their mandates.
- Propose strategies for managing identified risks in credit
Analysis
- Ensure the analysis, identification and mitigation of counterparty exposures and mitigations through detailed knowledge of environmental factors
- Have a detailed knowledge of the critical key macro environmental impacts and inter-relationships e.g. jurisdictional compliance, sector developments, regulations, financial markets, country risk
- Understand and apply/translate the critical micro-environmental impacts and relationships e.g. company performance trends, financial data, debt profile, gearing, projected cash flows, operations
- Proactively manage credit risk metrics that are identified via risk dashboards and reporting
- Provide technical support in the implementation of a credit limit monitoring system with Risk and Operations.
You will be an ideal candidate if you:
- Have completed CASA, CFA considered favourable
- Minimum 3 years relevant experience in an asset management or investment banking environment and exposure to credit portfolio risk
- Have exposure to credit risk modelling
- Have knowledge of factors affecting national and global companies and their impact on investors
- Have Knowledge of risk management methodologies, tools, governance structures and regulatory requirements
- Have a thorough understanding of the investment process and the risks therein
You will have access to:
- Opportunities to network and collaborate
- Challenging work
- Opportunities to innovate
- We can be a match if you have:
- Curious & courageous - you're driven by always wanting to know more and learn more and you're brave enough to
- Obsessed with mastery - you know what it takes to become good at what you do and are constantly pushing yourself to do it
- Have Strong people skills needed in order to build trust and confidence within the Ashburton business
- Have Good communication and presentation skills
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