Credit Analyst, Corporate Banking

Job Holder is primarily responsible for delivering credit support solutions to the Corporate Banking coverage team. Specifically, assist line manager / unit in the core deliverables of Client Credit Management by: • Creating credit spreads and calculations on financial statements and related information for new to bank and existing clients using relevant systems and software. • Performing comprehensive analysis of new credit requests, credit change requests, renewals and annual reviews in co-ordination with the Senior Relationship Manager in the Front Office. • Developing in-depth knowledge of the sector they are supporting. • Preparation of various types of Credit Applications and related summary term sheets. • Raising of waiver requests stemming from deviations to bank policies, standards and procedures (e.g., Wholesale Banking Policy, Credit Policy and standards, Credit / Legal Documentation Policy etc.) approved conditions and covenants (includes conditions precedent and subsequent). • Earmarking of limits and subsequent reinstatement or lapsing (as appropriate) • Structuring of credit facilities and related transactions. • Building and maintaining a portfolio-wide database to capture the day-to-day management of Approval conditions and agreed covenants. • Tracking and reporting of all unit related deliverables, KPI’s and KRI’s • Ensuring Facility and Security documentation are prepared in accordance with credit approvals, Credit/Legal Documentation policy and Department procedures. • Ensuring follow-up and satisfaction of conditions precedent and subsequent to facility utilization. • Tracking and reporting the status of conditions precedent and subsequent documents and highlight exceptions to line manager. • Preparation of periodic reports as well as any MI reports for the department.  • Performing all tasks in the capacity of a Maker. • Ensuring all processes and procedures are adhered to at all times. • Escalating risks/issues through the line manager for timely resolution. • Assisting in the development and ongoing maintenance of an activities Dashboard. • Serving as a central point of client interactions by handling, resolving and escalating day-to-day administrative queries and complaints, as appropriate, by liaising with various stakeholders. • Partaking in planned and ad-hoc departmental projects. • Punctual delivery of all returns and requested services. • Improving processes, time to market and provide a best-in-class client experience while adhering to internal and external Client expectations. • Developing and maintaining cordial relationships with internal as well as external customers. • Demonstrating openness and positive attitude towards criticism. • Completing smooth periodic performance reviews with the line manager and assigned training programs. • Building a brand name for the area. • Steering clear from any form of negative feedback, be it delivery or staff conduct