Investment Analyst

FTC - Investment Analyst (Credit / Risk / Mid-level) – Johannesburg, South Africa

Reference Number: SFKW02

Job Description:

Our client is a purpose-driven investment platform focused on catalyzing transformative growth across Africa. Their mission is to create long-term value through strategic investments by partnering with visionary entrepreneurs and high-potential businesses across diverse sectors. Backed by a strong international network and guided by deep market insight, they are committed to delivering both strong financial returns and sustainable impact on the continent.

We are looking for a mid-level Investment (Credit) Analyst to join their team and manage a portfolio of clients from an investment perspective and ensure that the Credit Risk associated with these borrowers is understood, monitored and managed on an ongoing basis from their introduction into the Fund until their loan is fully repaid.

Responsibilities:

Investment Analysis:

• Critically analyse a client’s business upfront and on an ongoing basis ensuring the investment Risk is understood, monitored and managed.
• Rate clients through rating model and analyse & comment on financial statements.
• Analyse, 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 Investment Committee.
• 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 behaviour & history.
• 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 taking into account

• 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.

Country Risk Analysis:

• Analyse trends and developments where the company’s 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 deal structuring before presentation to Investment Committee.
• Approve/escalate margin calls as appropriate.
• Ensure deals are legally structured in accordance with credit conditions and approvals.
• Ensure relevant representation of industry experts for particular 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 Investment Committees, handle queries, report on the portfolio, etc.

Requirements: Qualification and Skill

• Degree or equivalent in Finance, Accounting or Economics
• Corporate / SME Credit Analyst
• Trade Finance/Structured Trade Finance/Working Capital Finance/Supply Chain Finance Experience
• Africa Experience

Essential Experience:

• 2 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 would be advantageous.

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:

• Prepare and be primarily responsible for credit applications with input from originators.
• Verbal communication & negotiation
• Written communication
• Planning & organizing
• Compliance
• Networking & connecting
• Time management
• Maintaining long-term relationships
•  

If you wish to apply for the position, please send your CV to Kyle Williams at [email protected] .Please visit www.caglobalint.com for more exciting opportunities.

Kyle Williams

Recruitment Consultant

CA Finance

CA Global will respond to short-listed candidates only. If you have not had any response in two weeks, please consider your application unsuccessful however your CV will be kept on our database for any other suitable positions.

CA Global Headhunters is an international staffing company with a specific focus on recruitment in Africa. Our extensive, diverse candidate network built up over 10 years comprises the most skilled and experienced candidates. We recruit talent of the highest standards across African sectors, including Mining, Oil & Gas, Engineering, Banking, Finance, Legal, Insurance, Commodities, and Agriculture. As African markets continue to grow and develop, so too does our skill and expertise, ensuring that we deliver the best service to both clients and candidates.

Thanks to our access to global networks and resources, we understand our clients’ cultures, operations, business strategies, and industries. We are always on par with the latest technologies and trends which assist us in sourcing the best talent for clients. Whatever stage of the project lifecycle, we can put forward the right candidates with the right skills.