Enable the organization to protect its funding and investments and balance the level of risk in a portfolio through pro-active management of risk limits while providing a complete overview of the portfolio risks that could impact on the accomplishment of the organizations' strategic objectives.To provide reporting for the Board, through Exco, in such a manner that enables analysis of risks at both product and overall portfolio level, identifying trends, running sensitivities for concentrations and deviations to expected performance.Processing of credit proposals, compilation of autonomous Credit Submission Reports that form part of the funding applications disseminated to Credit Committees. Conduct evaluation of assessments that include thorough and rigorous testing of the base case assumptions provided by the client or client facing teams and provide the necessary independent attestation on the merits of the business case.Being able to address issues within the disciplines of the credit management cycle, including ensuring that annual reviews are undertaken at least annually by CSG, and risk grades updated and pro-actively assisting clients ahead of distress, improving the portfolio credit quality and avoiding concentrations, thereby improving earnings and growth to ensure the integrity of the organisation's portfolio and instill an effective and appropriate risk management culture. Qualifications:• CA / B Com post graduate qualification (or equivalent degree).• MBA would be an added advantage Skills and Knowledge:8 to 10 year's relevant experience in a financial institution, of which a number of years must be in the risk management space.Knowledge and understanding of credit and investment risk and any associated risks prevalent in the financing of transactions.Extremely good writing and presentation skills, particularly to committees.Knowledge and understanding of portfolio risk management life cycle and measurement of risk tolerance.Experience working in a high-level collaborative environment.Experienced and passionate about working with data to derive meaning and identify trends.Extremely organized and persistent, with drive and determination to achieve goals.Excellent computer skills and proficiency with Microsoft Office (Excel, Access, Word, PowerPoint).Exceptional planning and organizational skills: the ability to handle several complex tasks simultaneously is essential.Proven communication skills are essential - must possess good written and verbal skills to be able to work and communicate effectively with others.Ability to present and communicate technical information in a clear and concise manner.• Provision of independent credit investment assessments to approval committees; exercising credit judgment; and making sound credit recommendations working within stipulated Service Level Agreement Undertaking primary rating of counterparties (FIs) and propose overrides.• To assist in enhancing Financial Institutions (FIs) policies, systems and procedures and management processes for the organisation.• Prepare and position submissions at the relevant sanctioning committee (Credit Committees; Executive Policy Meetings etc) and respond to questions.• Provide support, guidance and a consistent approach and interpretation of Financial Institutions (FIs) credit and investment principles across the full credit cycle (cradle to grave).• Responsible for independent evaluation of annual credit reviews and provide oversight to ensure these are aligned with policy requirements (at least annually).• Assist Origination Managers in ensuring, prior facility draw-down, that all key and specific credit conditions, such as default ratios, re-pricing terms, information provision conditions, etc, are correctly and clearly documented and properly defined in the relevant facility agreements;• To support in submitting annual review reports and undertaking monthly / quarterly portfolio reporting to relevant committees.• To assist in formulating, reviewing and managing FI limits and/or exposure in alignment with the organisation's Africa and Channel Partner strategy, Risk Appetite and/or emerging risks.• To assist in implementing processes that have been reviewed to attain best international practices.• Implement approved methods and ways of mitigating capital allocated for FI exposure;• Work collaboratively with relevant divisions (Partnership Programmes and Syndicated Financial Solutions) and assisting in the development of differentiated and superior solutIons that meet business and risk requirements.• Produce trend analysis reports such as impairment and sector risk reviews and run sensitivities for concentrations and deviations to expected performance.• Perform pro-active on-going credit monitoring and risk management at a portfolio level and recommend strategies to keep portfolio risks within stipulated acceptable levels.• Understand how macro-economic factors impact on the portfolio and provide risk appetite recommendations.TECHNICAL/FUNCTIONAL COMPETENCIESSolution mindedBusiness AcumenReport writing presentation skillsStrong attention to detail Project Management SkillsProblem SolvingClient Insights FocusStrong Analytical SkillsPlanning and Organizing BEHAVIOURAL COMPETENCIESGood Communication SkillsSelf-motivated and self-driven skillsCoping with Pressures and SetbacksNegotiating and influencingInterpersonal Skills