Regional Credit Analyst (Trade Finance / Credit Risk / Corporate) at CA Global

Reference Number: MTBFCA3
Job Description

• Our client, a private equity fund with a global presence, is seeking a high-level Regional Credit Analyst to oversee the East African region portfolio of clients from a credit perspective. The primary responsibility is to ensure thorough understanding, ongoing monitoring, and effective management of the credit risk associated with these borrowers, from their introduction into the fund until full repayment of their loans. The successful candidate will serve as a key contact and representative for the group in the East African region and must be capable of managing office operations as needed.

Responsibilities

Credit Analysis:

• Critically analyze a client’s business upfront and on an ongoing basis ensuring the Credit Risk is understood, monitored, and managed.
• Rate clients through rating model and analyze & comment on financial statements.
• Prepare and be primarily responsible for credit applications with input from originators.
• Analyze, interpret & interrogate financial models and check assumptions to ensure appropriate models are presented to the Committee for approval.
• Client visits upon onboarding and full independent credit analysis for each new transaction.
• Evaluate and monitor collateral and other credit risk mitigations.
• Presentation to Riparian Credit Committee and other company Committees where appropriate.
• Manage all credit related matters on a portfolio of clients from pre-approval to disbursement to post trade disbursement monitoring.
• Manage portfolio of clients within an acceptable NPL ratio.
• Perform annual reviews, quarterly one pager on high level risks and issues, challenge credit applications, stress test, collateral evaluation & monitoring, payment behavior & history.
• Follow up on roll report, approve smart arrears.
• Country, industry, covenants monitoring, breaches, monitoring credit exposures, own credit exposure and maintain client relationships.
• Systematic review of financials at borrower level. Quarterly stress testing of client profile considering a) country analysis b) collateral changes c) industry analysis d) monthly stress testing of LTV potential shortfall where relevant. Monthly/quarterly frequency with review in appropriate committee (at least for part of D). Periodic review of Expected Credit Loss assumptions.
• Timely identification of high-risk exposures for transfer to the Proactive Risk Management list. Develop stress testing framework.

Country Risk Analysis:

• Analyze trends and developments where the companies’ borrowers are and suggest mitigation strategies where necessary.
• Active oversight of country developments (economic growth, political developments, upcoming elections).
• Leverage existing S&P ratings, periodic one-pager on country development with clients’ exposures, level of comfort.
• Monitor Country Risk Exposure and report aggregate credit exposure at country level.
• Stress testing of credit exposure at country level across all borrowers within a country.
• Report to appropriate committees on a regular basis with country overview.

Credit Approvals:

• Responsible for credit paper and taking deals through the credit process from origination to post close monitoring.
• Pre-trade approvals - provide guidance on credit appetite and deal structuring before presentation to Credit Committee
• Approve/escalate margin calls as appropriate.
• Ensure deals are legally structured in accordance with credit conditions and approvals.
• Approval of non-standard settlements and legal terms, escalation (e.g. longer cure period, longer close out, longer termination period). Determine appropriate LMT terms (limits monitoring, margin payments, termination). Legal & Credit to work together to reach satisfactory outcomes in legal agreements with terms impacting Credit.
• Approval of collateral managers/monitors where required and maintain list of approved collateral managers.
• Ensure relevant representation of industry experts for transactions as part of the Credit process (e.g. expertise in collateral management for particular commodities).
• Ensure conditions are fully closed at or prior to deal closing.
• Perform other ad-hoc tasks e.g. take minutes at Credit Committees, handle queries, report on the portfolio, etc.

Requirements

Essential Qualification:

• First Degree or equivalent in Finance, Accounting or Economics
• MBA, (CA) or equivalent is an added advantage.

Key Criteria Experience:

• Corporate / SME Credit Analyst
• Trade Finance/Structured Trade Finance/Working Capital Finance/Supply Chain Finance Experience
• Africa Experience

Essential Experience:

• 3 years Credit Analysis
• 2 years Wholesale/Investment/Business Banking
• 2 years solid understanding of finance and risk related matters affecting the company.
• 2 years In-depth experience in portfolio and risk management
• 3 years proficient use of Microsoft Office with Excel and Word at an advanced level.
• 2 years’ experience doing business in Africa.

Essential Knowledge:

• Write technical and non-technical communication, including developing appropriate reports for stakeholders relating to clients & deals.
• Analyse and improve policies and procedures in accordance with best practice.
• Analyse, interpret and understand financial statements and complex financial models with an understanding of accounting practices, legal, tax, industry and regulatory requirements.
• Collect and analyse appropriate data to recognize key themes and trends and take appropriate action on existing or new deals in the portfolio.

Essential Skills:

• Strong Verbal communication (Negotiation)
• Written communication
• Planning & organizing
• Compliance
• Networking & connecting
• Time management
• Maintaining long term relationships