Job Description

Who are we?Sanlam Investment Group
The Sanlam Investment Group is uniquely equipped and positioned to deliver on its purpose of empowering generations to be financially confident, secure and prosperous. Through our vast in-house expertise and strategic partner networks, we can access all asset classes across the globe, private and public, actively and passively managed, to develop investment solutions that are in our clients' best interests and have a positive impact on society. Backed by the Sanlam Group's balance sheet, the Sanlam Investment Group has a true competitive advantage in its ability to invest alongside clients, particularly in private markets where impact investing drives the agenda.The Sanlam Investment Group is one of the largest, most diversified financial services and investment firms in Southern Africa with assets under management and administration of more than R2 trillion. It is a B-BBEE level 1 contributor and one of the largest black-empowered asset managers on the African continent.Sanlam Alternative Investments (SAI)
The purpose Sanlam Alternative Investments (SAI) business is to help build the African continent and make a real sustainable difference in the emerging economies in which we operate in, aligning to the Sanlam Group's mission of financial inclusion. The SAI business has a broad range of capabilities that include Private Equity, Specialised Finance, Property, Infrastructure and Partnerships. Sanlam is the biggest non-banking financial institution on the continent, operating in Africa for over 100 years.What will you do?Analyses credit data to estimate degree of risk involved in extending credit or lending money to firms or individuals, within restricted limits. Contacts banks, trade and credit associations, salespeople and others to obtain credit information. Studies economic trends in firm's industry or branch of industry to predict probable success of new customer. Maintains database of customer credit histories. Consults with management to assist in corporate planning. The incumbent may have supervisory responsibilities.What will make you successful in this role?Responsible for the credit risk management of counterparty exposures within the property and international portfolio: identifying, measuring, monitoring and managing credit risk for all product types on a single obligor, group and portfolio basis:

• Critical assessment of credit risk falling in the assigned portfolio.
• Assess the creditworthiness of property and international clients, including listed and unlisted property companies, multinational corporations, fund managers, and foreign businesses.
• Produce research and impart knowledge to the broader business and credit committees on developments in the portfolio.
• Identification of transaction and business specific risk and introduction of risk mitigation factors on new transactions.
• Perform comparative analysis amongst industry peers to assess a proposed counterpart's position relative to its industry peers.
• Annual, semi-annual, quarterly assessment of credit risk per counterparty in the portfolio.
• Financial analysis and credit ratings to be accurate and updated as and when new information becomes available, using the suite of models used by SanFin.
• Document analysis in the standard credit application format - information should be accurate, complete, comprehensive and of good quality.
• Critically and independently making recommendations to the relevant committees.
• Close consultation with Credit Portfolio Management (CPM) to enable CPM to calculate accurate Economic Capital and Risk-adjusted return statistics.
• Ongoing monitoring of transactional and credit risk aspects in the portfolio.
• Always ensure compliance with the Credit Risk Strategy and Policy.

Assist various Risk Departments with the implementation of new transactions:

• Assist Compliance Department where necessary with relevant information related to new account opening procedures.
• Assist the Legal Department where necessary with the finalisation of legal documentation.
• Assist the Legal Treasury Advisor with information pertaining to Facility Agreements and CSA documentation.

Other:

• Ongoing monitoring of limits and exposures in the portfolio.
• Assistance in resolving breaches.
• Interaction with front office on debt funding initiatives.
• Maintain credit files (electronic format) of counterparts, in good order.
• Take responsibility for reporting requirements as allocated from time to time.

Qualification and ExperienceDegree or Diploma with 4 to 5 years related experience.Knowledge and SkillsCompetitor analysisRank companies within industry based on credit ratingWritten reports for lending decisionsRecommendations and presentation of resultsFinancial ModellingPersonal AttributesManages complexity - Contributing through othersDecision quality - Contributing through othersFinancial acumen - Contributing through othersManages conflict - Contributing through othersBuild a successful career with usWe're all about building strong, lasting relationships with our employees. We know that you have hopes for your future - your career, your personal development and of achieving great things. We pride ourselves in helping our employees to realise their worth. Through its five business clusters - Sanlam Fintech, Sanlam Life and Savings, Sanlam Investment Group, Sanlam Allianz, Santam, as well as MiWay and the Group Office - the group provides many opportunities for growth and development.Core CompetenciesCultivates innovation - Contributing through othersCustomer focus - Contributing through othersDrives results - Contributing through othersCollaborates - Contributing through othersBeing resilient - Contributing through othersTurnaround timeThe shortlisting process will only start once the application due date has been reached. The time taken to complete this process will depend on how far you progress and the availability of managers.Our commitment to transformationThe Sanlam Group is committed to achieving transformation and embraces diversity. This commitment is what drives us to achieve a diverse, inclusive and equitable workplace as we believe that these are key components to ensure a thriving and sustainable business in South Africa. The Group's Employment Equity plan and targets will be considered as part of the selection process.

Sanlam