Job Description

Hire Resolve's client is looking for dedicated and skilled Credit Dealmaker to join their investment team in Cape Town.

Critical deliverable: Producing high quality credit research/analysis of unlisted and unrated businesses together with the preparation of loan submission packs to the Credit/Investment Committee. Thereafter to implement the loan agreements and related security agreements.

Responsibilities:

• Ensuring that credit policies, criteria, procedures, and documentation relating to credit are generated and adhered to.
• Assessing the credit worthiness of empowerment enterprises specifically with a responsible lending mindset
• Ability to sense check and suggest amendments to a deal structure according to specific position of the enterprise.
• Prepare all documentation and analysis, including financial forecast models and Investment memorandums, to present to and facilitate decisions of the Credit/Investment Committee.
• Determine and ensure that company operations meet conditions for the provisions, and special loan conditions for clients.
• Prepare and conclude loan and security agreements and other ancillary documentation.
• Monitor loan agreements compliance through time and if need be, liaise with the borrower to ensure that no clauses on the agreement is breached.
• Monitoring credit exposure
• Liaising with other staff within the company making specific reference to the Credit Team on matters relating to existing and new loans and with other members of the Firm's Team to assist with matters that indirectly affect the credit team and the Firm's borrowers.

Requirements

• Accounting/finance or maths/quants orientated degree xe2x80x93 B.Com; B.Bus.Sci; or CA background, CFA or equivalent
• Must have a minimum of 5 years industry experience in credit and risk industry, preferably in corporate finance/finance/legal/SME environment or a development finance institution.
• Must be able to work well within a team and be able to operate independently.
• Must be able to deal with relevant client queries in an informed, professional, and timely manner.
• Must be able to assess companies across different industries, as well as their capacity to take on and repay debt, where the debt can be required for asset finance, growth finance, working capital or other business purposes.
• Must have a demonstrable passion for lending/markets and for empowering companies and have a passion for numbers and analysis

Functional Competencies:

Ability to:

• Understand the lending or financing environment, with a specific focus on secured lending to small private businesses.
• Ability to review a credit application, make an initial assessment on the validity of the funding opportunity and liaise with the client to obtain the necessary financial and non-financial information needed to complete a detailed due diligence.
• Be able to deliver on a number of tasks, primarily tasks relating to the assessment and finalising of funding opportunities, in a timely and professional manner.
• Be able to conduct detailed financial analysis on a funding opportunity, including performing financial statement and ratio analysis, building financial models in MsExcel and interpreting financial performance of clients.
• To understand legal requirements in granting & declining credit applications.
• To operate in a research environment where examining and sorting through financial data is critical to onexe2x80x99s success.
• To make use of learnt methodologies to achieve desired outcomes i.e. must be methodical and have high attention to detail.
• To be self-motivated, accountable and reliable, and have the ability to handle criticism.
• To be prepared to undertake a range of work rather than focusing on a small, clearly defined role.
• To handle challenging questions in a professional and mature manner.
• To present findings to teams of people, most importantly other credit team members, firm management and the Investment Committee.
• To produce well written, detailed reports, containing quantitative and qualitative information.
• To come up with logical, well thought out recommendations/solutions.
• To proactively research new ideas that are relevant to strengthening the firm's loan process as well as the execution of deals.
• To operate independently and take ownership of tasks assigned, while at all times liaising with other team members and working with the team.
• Engage with clients and other third parties in a professional manner, in person, virtually, telephonically or via email.

Experience in:

• In quantitative/financial work
• Analysing businesses from a financially sustainable point of view.
• Constructing scenarios or analysing information to come up with recommendations.

Knowledge of:

• Quantitative techniques/ research methods / methodologies
• Knowledge of market drivers
• Accounting and corporate tax concepts
• Companies Act

Benefits

• Salary: R650K/yr - R720K/yr, salary negotiable
• Family Leave (Maternity, Paternity)
• Training & Development
• Paid Time Off (PTO) (if applicable)
• Work from home

Contact Hire Resolve for your next career-changing move.

• Salary: negotiable.
• Our client is offering a highly competitive salary for this role based on experience.
• Apply for this role today, contact Chandre Vosloo at Hire Resolve or on LinkedIn
• You can also visit the Hire Resolve website:

or email us your CV:

We will contact you telephonically in 3 days should you be suitable for this vacancy. If you are not suitable, we will put your CV on file and contact you regarding any future vacancies that arise.

Hire Resolve