- Contribute to the development of the product's credit strategy and credit operating model.
- Implement operational efficiencies and changes to improve the customer application experience
- Contribute to the development and enhancement of operational processes required to sell this product.
- Review and manage the credit policy, and ensure changes are signed off by the relevant stakeholders
- Build relationships and manage the internal and external secured lending stakeholders
- Supporting the product team design and deliver a suitable product to market
- Provide an excellent customer experience and supporting the achievement of service level agreements
- Understand and embrace the Old Mutual vision and demonstrate the values
- Delivers results through setting specific objectives, quality standards and timeframes, ensuring attainment of goals, diagnosis and interpretation of information.
- Works at a team or individual level, and is accountable for service delivery within a function/team
- Ability to manage a project and its stakeholders
- Conducts research, monitors credit and consumer industry trends for the benefit of the secured lending portfolio
- Non Negotiable
- 3-year degree (quantitative, financial or business related)
- Ability to work without supervision
- At least 1 year of lending or other relevant experience in any financial, credit, investment or analytical role
- Ability to communicate with stakeholders in other areas of the business
- Excel – Intermediate proficiency (Lookups/Referencing, Pivot Tables)
- Outlook – ability to manage routine queries while setting aside time to develop and build product improvements.
- Investment Fundamentals – broad understanding of various assets classes, risk vs return and volatility measures.
- Negotiable
- Type of degree: Finance, Engineering, Accounting, Economics, Actuarial Science etc.
- Exposure to credit products will be advantageos.
- Working with securities-based lending products will be advantageous.
- Analytical and Time Management
- Execution and Project Management
- Customer First
- Personal Mastery (Learning)
- Collaboration (Relating)
- Microsoft Office proficiency
Credit Analyst: Investment Backed Lending - Johannesburg, South Africa - Old Mutual
Description
Description
The Investment Backed Loan (IBL) product offering is a unique, tailored product that has been developed for our clients. The product is a loan that is secured by various investments such as a stock portfolio, cash balances, unit trusts etc.
We are seeking to hire a credit analyst to join our team. The candidate will oversee the day-to-day credit processes and be responsible for the sustainable growth of the portfolio within the agreed risk appetite and frameworks.
A significant amount of time with be spent on:
Implementing the credit policy Review credit applications and performing credit checks Reporting on portfolio and industry trends Assisting with the approach to IFRS provisioning and portfolio analysis
Role description
Key Results
Personal Effectiveness
Requirements
Competencies
Skills
Education
Closing Date
18 April 2024