Analyst, Client at Standard Bank May 2025

STRATEGIC FOCUS

1. Declines non-viable deals at source, however, works in partnership with Manager, Origination, Relationship Managers and Head Commercial to identify alternatives that could bring deals/ proposals within risk and client acceptable parameters relative to profitability.
2. Provision of direct (specialist/ professional) credit evaluation services at the customer interface.
3. Identifies credit and risk management requirements at the source of the deal negotiation/ business proposal.
4. Conducts credit evaluation interviews during deal negotiation to obtain sufficient and appropriate information to evaluate business risk and deal viability, from a credit risk perspective.
5. Develop high quality credit solutions and recommends appropriate facilities in line with risk evaluation with the view of obtaining fast credit approval from Credit teams.
6. Presents and defends own judgement to clients in a manner which does not negatively affect the business relationship.

BUSINESS ACUMEN AND MARKET UNDERSTANDING

1. Evaluates whether proposals meet sound business criteria and counter-party credit risk falls within acceptable client selection and risk parameters, and recommends appropriate business credit facilities, including covenants and terms or conditions of facilities.
2. Prepares credit applications by providing sound financial and business justification for deals/ proposals within acceptable client and risk acceptance parameters relative to the profitability.
3. Work in partnership with RMs on new and existing credit applications, providing guidance on credit appetite and consulting with other product partners.
4. Together with origination manager and Sponsoring RM will prepare a credit facility proposal to be presented to Client Service Team/Business Development and Credit Committee to seek for support.
5. Preparation of acceptable Applications for Facility (AFF) for Credit Decision.
6. Identifies, quantifies, and evaluates sources of risk in relation to profitability of business proposal and financial viability  and interrogates information obtained to gain a thorough understanding of business parameters which create profit/ value as well as to mitigate  all associated risks.
7. Utilises industry risk analysis available to identify and understand contextual threats to existing and potential clients.
8. Liaise directly with the Head of Credit (HOC) and respective sanctioning credit evaluation manager (CEM) for all credits that are outside Risk management discretion.
9. Attend customer meetings with the Relationship manager if credit related issues are to be discussed/need to be resolved.
10. Proactively contribute to embedding agreed change management initiatives in support of process and quality improvements, cost reduction.
11. Review and co-ordinate approved sanction letter and execution of documentation and drawdown of facilities.